No matter how fit and careful we are, sickness and accidents are a fact of life. However, unlike other
such as tools and vehicles, our health isn’t immediately replaceable.
When you get sick or hurt you need time to recover and that’s what costs your business money.
That is also what makes Personal Accident & Illness Cover one of most important insurances you can have.
Agreed Value limits from $500 up to $1,300 per week,
and higher for indemnity cover in excess of $1,750 per week cover
P.O.A for higher limits if required.
Accident Cover can cover part or in some instances 100% of your income if you are injured, not only at work, but outside of work as well.
Some covers even extend to cover for amateur sports injuries, meaning you can
still enjoy the activities you love to do.
We don’t hesitate to insure our cars or our homes, but very rarely do we go one step further.
The reason we have an income to pay for those possessions is the ability to work. Take away the ability to
work and then you have no income, no possessions and ironically, nothing else worth insuring.
Having something to fall back on is especially important when you are the key bread winner for your business as well as your family.
The last thing you need when trying to recover from an injury or serious illness is the mounting cost of
running a business.
With little income coming in, you’ve still got to take care of your monthly overheads and pay the bills.
Personal Accident and Illness Cover, or PA&I Cover for short, can support you in your time of need.
'Illness Cover' is often overlooked and not considered important, but if you fall sick and can’t work, illness cover provides the support you need while you concentrate on getting better.
You can take out Personal Accident and Illness cover from as little as $2 a day.
That’s less than half the price of a schooner of beer or a takeaway coffee.
Now compare $2 a day to being without an income for weeks or months. Without the right insurance in place, an
accident at work can not only be business crippling, it can be business ending.
At Business Insurance Cover Services our focus is on your business continuity, we provide advice and
tailor Personal Accident and Illness Cover to suit your needs.
As a small business owner, you more than likely have reoccurring fixed expenses. When taking out cover you may also be eligible for cover of your fixed business expenses.
This is additional cover for ongoing monthly overheads while you’re in recovery. Ask us about the cover and if it is right for you.
To find out how affordable Personal Accident and Illness coverage be, simply contact us for a quote today .
In the event of a claim we will be your initial point of contact. We’ll tell you what to gather, such as supporting evidence and documentation, and guide you through the best actions to take to avoid issues with lodgement.
With your permission we can also assist by working with your medical practitioner and accountant or bookkeeper to get any financial evidence and information together.
By working alongside you, we ensure forms and documents are completed and lodged appropriately. We also liaise directly with the insurer on your behalf, ensuring the insures can action your claim as quickly and efficiently as possible.
Our commitment is to maintain open ongoing communication with both you and insurer.
We take claims seriously, especially for an injury or illness. The team at Business Insurance Cover Services is here to help you every step of the way so that you can focus on getting better and back to work safely.