Smart Business Insurance
Level 11, 484 St Kilda Road Melbourne, VIC3004
$ Phone: 1300 542 573

1300 542 573

TALK to a SMART Business Insurance adviser

How does personal accident insurance work?

As a business owner, sole trader or contractor, your personal safety is your livelihood. You know that time away from work will have a direct impact on your income and that a long period away can negatively affect your savings, family and lifestyle.

Do I need personal accident insurance?

Personal Accident Insurance may help you and your family pay for essential bills and other financial commitments when you:

  • have an accident and are injured*
  • pass away*

What is personal accident insurance cover *?

In the event of an accident, with personal accident insurance when your claim is you'll still have money coming in.

The weekly benefit could cover you for 52 or 104 weeks and upto 85%* of your weekly income at the time of the injury ; depending on the amount of coverage agreed when the policy is taken out.

Personal accident insurance policies may cover you for the following events if caused by an accident*:

  • death*
  • permanent total disablement*; and
  • loss of, or loss of use of, a limb*.

*There are typically are other exclusions so it's smart to talk to SMART Business Insurance broker on 1300 542 573 or email us at about personal accident insurance, and ask us about what is and what isn't covered.

What you may be compensated for with Personal Accident Insurance*?

The amount of compensation takes into account how your injuries affect you now and in the future.

Compensation may be awarded for pain, suffering and your inability to do things after your accident that you could do before. Compensation may be made based upon medical evidence, normally specialist reports, of the injuries suffered. The amount of compensation takes into account how your injuries or disease affect you now and in the future.

Accident compensation may cover any loss of earnings since the accident and any future loss of earnings. In more serious cases personal injury compensation may extend to alterations to property or vehicles and on-going care costs, including those provided by the family.

Important: Please note the above is only general information. For more information you can call us at 1300 542 573 to TALK to a SMART Business Insurance Specialist, or email us as at

*Important: Cover may be available subject to meeting insurers underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations .Talk to a SMART business insurance broker on 1300 542 573 for more information.

1300 542 573

TALK to a SMART Business Insurance adviser

Business Hours:

Monday – Friday 8.45 am - 6.00 pm AEST

Personal Accident Infographic | Smart Business Insurance Australia

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