Personal accident
& illness insurance
to support your
business’s continuity
Personal accident & illness insurance to support your business’s continuity
Personal accident & illness insurance:
Coverage that cares when life takes an unexpected turn
What would happen to your business if you couldn’t work due to an accident or illness? Could you pay your mortgage, rent or bills? Would you be able to keep things running smoothly, or would your operations face costly interruptions? At iinsure, we understand that your business is a big part of your livelihood, and any downtime can be stressful and uncertain. Our personal accident insurance brokers are here to help protect your income and keep your business on track if the unexpected strikes.
When it comes to covering yourself, navigating policy options can feel overwhelming. That’s why we’re here to make it simple. With iinsure, you gain access to a network of over 150 insurers, giving you options that best fit your needs and budget. We don’t work for insurance companies, we work for you, helping you secure the right coverage with the most competitive terms. We’ll be there to recommend personal accident & illness insurance policies that can be customised to suit the unique demands of your business and lifestyle, so you can focus on what matters most.
We know that insurance isn’t just about the “what-ifs”—it’s about having support when you need it most. That’s why we’ve built a dedicated claims team that will stand by you every step of the way. Our team is here to handle the paperwork and guide you through the claims process quickly and efficiently to help get the financial outcome you need to focus on recovery.
Explore other coverage options for business owners
Business Equipment
Your tools and equipment are essential for keeping your operations running smoothly. Business equipment insurance covers theft, loss, or damage to your business assets, ensuring you can replace or repair them quickly to minimise disruption.
CommercialProeprty
Your business premises are a vital asset, whether you own, rent, or lease. Commercial property insurance safeguards your physical space against risks like fire, theft, and natural disasters. Repair or replace your property without incurring financial hardship.
Commercial Motor
If your business relies on vehicles, it’s crucial to protect them with commercial motor insurance. This coverage safeguards vehicles against damage, theft, and liability for accidents, allowing you to stay on the move without worrying about the unexpected.
PublicLiability
As a business owner, you interact with customers, clients, and vendors daily. Public liability insurance protects against claims arising from accidents or injuries. Providing peace of mind, knowing you are safeguarded against potential legal challenges.
ProfessionalIndemnity
As a professional, your clients rely on your expertise every day. But even with the best intentions, mistakes can happen. Professional Indemnity protects you if a client claims your advice, service, or recommendations caused them a financial loss.
Why choose
an iinsure
broker?
We’re a team of insurance experts who know how crucial uninterrupted income is for business owners. With decades of experience and respected industry credentials (NIBA, ANZIIF), we provide a level of personal, hands-on service you won’t get from a call centre or comparison website. Our clients trust us to not only handle their policies but to keep them up-to-date with annual reviews and ongoing support.
We understand that choosing insurance can be a big decision, which is why we’re here to answer questions, offer advice, and tailor a plan that fits your needs. We make sure that, should the need arise, your coverage is ready to support you fully.
Personal accident & illness insurance
for Australian business owners
Personal accident & illness insurance is about more than protecting your income—it’s about protecting your peace of mind. Let us help you find the coverage that supports you, your family, and your business when you need it most. Reach out today to discuss the right policy for you.
Before coming over to iinsure I had numerous policies for my electrical business with different brokers and insurers. A friend recommended iinsure to me, and I’m so happy that I gave them a call. iinsure provided me with great advice and service and competitive prices for my public liability, tools, commercial motor and personal accident policies. It’s so much easier now to have my policies in one place as the renewals are all due at the same time. This saves me lots of time with my administration and more time to do my electrical work for clients.
Richard
FAQ’s
What is Personal Accident Insurance?
Personal Accident Insurance offers financial protection when you’re unable to work due to injury or illness. It is all about protecting you – because if you’re out of action, your income usually is too. If an unexpected injury or illness stops you from working, the financial pressure can hit hard and fast.
Our Personal Accident Insurance policies are flexible and designed to meet your unique needs, covering situations where accidents and illness can disrupt your operations and put your business at risk. This coverage helps keep your business running smoothly and supports your recovery process whether you’re dealing with an illness, an accident, or recovery period.
What's covered under Personal Accident Insurance?
Personal Accident Insurance covers a comprehensive range of benefits including:
Accidental death and lump sum benefit: Pays a benefit in the event of death or serious injury caused by an accident.
Weekly accident benefit: Provides weekly income support if you’re unable to work due to an accident.
Weekly sickness benefit: Offers weekly payments if you’re unable to work due to illness.
Rehabilitation benefit: Supports participation in a return-to-work program through rehabilitation assistance.
By securing Personal Accident Insurance, you protect not only your income but also your peace of mind.
What are the standard exclusions of Personal Accident Insurance?
Standard exclusions typically include accidental death or lump sum benefits resulting from any illness or sickness, any loss arising from pre-existing medical conditions unless specifically agreed upon, illness or injury sustained while participating in certain hazardous sports, and illness or injury resulting from training for or participating in professional sports. It’s essential to carefully review the policy to understand the exclusions, and our team is here to clarify any doubts and ensure you’re fully informed.
What is the claims process for Personal Accident Insurance?
When you need to make a claim, navigating the process can be challenging, but at iinsure, we make it easy. The claims process follows these key steps:
- Immediate notification by contacting us as soon as you’re unable to work due to injury or illness
- Documentation provision where we’ll help gather the required medical reports and documents
- Claims assessment where our claims team will ensure your claim is processed efficiently
- Ongoing support as we’ll work with you throughout the process, offering assistance as needed
Our goal is to ensure your claim is handled swiftly, so you can focus on recovery. The iinsure claims team provides dedicated support and advocacy to ensure you receive fair treatment and appropriate compensation under your policy terms.
What are the benefits of using a broker?
When it comes to protecting your business with Personal Accident Insurance, working with a broker like iinsure provides significant advantages that you simply cannot access when dealing directly with insurance companies.
Access to Extensive Insurer Networks
One of the most compelling reasons to use a broker is market access. iCorp Insure provides access to over 150 insurers through their Steadfast Network advantage, giving you unparalleled market access and negotiating power.
Expert Guidance and Tailored Solutions
Insurance needs vary dramatically between businesses, and a broker’s expertise becomes invaluable in navigating these complexities: Brokers help assess your income replacement needs, occupation-specific risks, and budget constraints to find policies that fit your specific situation without overextending financially.
Independent Advice
As an independent broker, our loyalty lies with you, not insurance companies. This means objective advice and representation of your interests when selecting policies and managing claims.
Ongoing Support
Unlike direct purchases, brokers provide continuous policy reviews and support as your business evolves, ensuring your coverage remains appropriate across all three insurance types.