An injury won’t arrive with a bell on its neck
Any person who works, be it entrepreneurial or an employee would benefit from Personal Accident Insurance which will cover you if you are unable to work due to an injury.
You can also add an option to cover sickness.
There are often exclusions, waiting periods, limits and optional covers which apply, so contact an Avoca Insurance Broker to discuss your specific insurance needs.
Frequently Asked Questions
Most insurers do not extend cover to injury or sickness which occurs as a result of:
- Pre-existing condition/s
- Pregnancy and childbirth
- Acts which are Intentional, criminal or otherwise deliberately caused by you
- Being under the Influence of alcohol or drugs
- Participating in professional sports
- Acts of war and terrorism
Generally any person, who works, be it self-employed or an employee would benefit from a Personal Accident and Sickness policy. If you know that your livelihood depends on your wellbeing and a prolonged period of time will have a direct impact on your income, affect your savings, family and lifestyle you have an exposure.
- Employees
- Small Business Owners
- Sole Traders
- Contract Workers
- Part time workers
- Those who do not qualify for Income Protection Insurance
While Personal Accident insurance is designed to protect business owners, sole traders and self-employed professionals, Workers' Compensation is intended to protect your employees.
Generally, Workers’ Compensation is limited to claims associated with injuries sustained by employees during the course of their work, while Personal Accident policies may offer the possibility to extend coverage to incidents occurring outside of working hours.