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Woman In Hardhat

"No Work = No Income?

Protect Your Income If Injury or Illness Stops You Working."

Get a Personal Accident Quote Today

Why Use us?

✅ Local Gold Coast broker.

✅ We compare multiple insurers.

✅ We explain cover in plain English.

✅ We help with claims.

✅ We can also advise whether Personal Accident , Accident and Illness or another product is more suitable for your needs.

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"None of us expect an accident or illness, but something could happen today."

- Are you Protected?

Personal Accident and Illness Insurance

Are you self employed or just need to be covered outside of work time?

What happens if you can't work for a few months?

  • Mortgage repayments still need to be paid.

  • Rent still falls due.

  • Household bills continue.

  • Your business expenses don't stop.

Many self-employed people have no sick leave or workers compensation.

Weekly personal accident insurance for self-employed persons who cannot rely on coverage under a Workers Compensation Scheme. We can offer you this general insurance product or if we determine this product does not meet your needs we can refer you to a Life Insurance specialist for Income Protection cover.

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- A policy for accident cover only that provides an agreed weekly amount  of $1000 for up to 2 years can cost as little as $80.00 per month.*

* based on a 30 year old male tradesman with no defined high risk leisure activities.

- We can also include additional cover so that this Personal Accident cover applies anywhere in the world and operates 24/7, not just while at work.

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​Who should consider this cover:

  • Self‑employed, contractors, tradies, freelancers whose income stops when they stop working.

  • Any Business owners needing protection against loss of personal income when illness or injury occurs.

  • Individuals without strong sick leave or income protection through employers.

  • Small business owners who rely on their own ability to work and would suffer financially if injury or illness stopped them from earning an income.

  • Contractors and subcontractors

  • Labour hire workers

  • FIFO contractors

  • Independent contractors

  • Gig economy workers

  • Owner drivers

  • Business owners actively working in the business

  • Café owners

  • Retail shop owners

  • Mobile service businesses

  • Cleaning businesses

  • Mechanics

  • Couriers and delivery drivers

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