Personal Accident Insurance

Business Insurance for Personal Accidents & Sickness*

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.

Many Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

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 contact us online
about personal accident insurance, and ask us about what is and what isn’t covered.

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 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.

Should I get personal accident insurance?*

If you are self-employed, had an accident and weren’t able to work for an extended period:

Would you be able to pay your bills easily?

Would you be able to look after yourself and your family?

If you are a concerned about whether you would be able to pay your bills or look after yourself or your family you should consider personal accident insurance.

Talk to one of our helpful brokers about suitable and affordable cover for your needs on 1300 542 573 today.

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