Personal Accident & Illness Insurance Australia

One of the most important types of cover for self-employed tradies is Personal Accident & Illness Insurance. If an injury or illness stops you from working, this cover can help provide financial support for you and your family while you recover.

Cover can be varied to reduce or increase the cover that suits you best:

Covered whilst at work only
Covered at work and whilst commuting
Covered 24 hours, 7 days a week (yes, and that can include playing amateur footy on the weekends!)
Sickness/Illness can be added or removed

What Can Be Covered
Do for You?

You never know what is around the corner. In the event of having an accident or unexpected illness, you want to rest easy knowing your policy will respond and provide income while you get back on your feet.

Be Covered can help arrange the right Personal Accident and Illness insurance levels that suit your needs, including:

How long you want to receive payments in the event of an accident
The time you are able to ‘wait’ before your benefits kick in basically acting as an excess to lower or increase your premium
What risky activities in your personal life do you take part in that you need cover for in case you are injured – think local sports
Correctly covering you for the work you are doing
Adjusting the $ cover you require in the event of an accident or falling ill.

What is Personal Accident and
Illness insurance?

Personal Accident & Illness Insurance helps protect your income if you’re unable to work due to injury or illness. It is sometimes also referred to as sickness and accident cover.

Policies can often be tailored to suit your occupation, income needs, lifestyle and preferred level of cover, helping provide financial support when you need it most.

Common Questions Answered

What is Personal Accident and Illness insurance?

Personal Accident and Illness insurance pays a regular income or lump sum if you're unable to work due to illness or injury.

Is this cover suitable for self-employed tradies?

Yes. This type of cover is commonly used by self-employed tradies, contractors and business owners who rely on their ability to work and earn an income.

Is time off for surgery included?

Yes, if it prevents you from working and is certified by a medical professional.

How long is the benefit period?

You can choose from various benefit periods—commonly 1, 2, or 5 years.

Does it cover injuries outside of work hours?

Yes. If 24/7 cover is included, most Personal Accident & Illness policies will cover injuries that occur outside of work, including on weekends or during personal activities (like footy!).

Does it cover sickness as well as injury?

Depending on the policy selected, cover may be available for both accidental injury and certain illnesses that prevent you from working.

We Have the Building Industry Covered

Specialist Construction & Building
Insurance Broker

At Be Covered, we specialise in the building and construction industry and understand that every self-employed business owner works differently and faces unique risks.

That’s why we take the time to understand your circumstances and help arrange Personal Accident & Illness Insurance that supports you and your family if injury or illness prevents you from working.

Speak with the team at Be Covered for practical advice tailored to your needs.