1300 542 573

TALK to a SMART Business Insurance adviser

Why you may need Personal Accident and Sickness Insurance

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.

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

Personal accident insurance policies may cover you for:

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

What are you covered for with Personal Accident & Sickness Insurance*?

Personal accident insurance policies may cover you for:

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

Some personal accident insurance policies also may cover permanent partial disablement, temporary total disablement and/or temporary partial disablement.

However generally personal accident and sickness insurance policies DO NOT cover death or injury if caused by sickness, disease or any naturally occurring condition.

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

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

The amount of personal injury compensation awarded varies depending on the seriousness of the injury and the financial losses involved.

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 info@smartinsure.com.au.

*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


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