Personal Accident & Illness Insurance
If you're a sole trader or contractor, workers compensation doesn't cover you — you're not your own employee. So when an injury or illness stops you working, there's no income unless you've arranged it. Personal accident and illness cover fills that gap: it pays you when you can't work, whether or not the cause was work-related.
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Personal accident
What you'd like the policy to pay out on.
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No obligation. Subject to eligibility and underwriting.
What personal accident insurance covers
Income while you can't work
A weekly benefit when injury or illness stops you earning — the cover that replaces the pay a sole trader has no workers comp to fall back on.
Injury and illness, on the job or off
Cover that responds whether the cause was work-related or not, which is the point for someone whose income depends entirely on them.
Lump-sum benefits
Capital benefits for serious injury — the kind of event that changes more than a few weeks of income.
Cover, limits and examples shown are general in nature and subject to eligibility, underwriting and the terms of the issued policy.
Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
Do sole traders and contractors need personal accident insurance?
Does it cover illness, or just accidents?
Isn't this covered by workers compensation?
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Stonewell Insurance Pty Ltd (ABN 23 645 965 699) is a Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).