Ideal for sole traders
Personal Accident Cover in Perth
Personal Accident and Illness
Enquire now!
Protects your income
Range of policies and benefits
In a large business, it is usually possible to cover an injured employee’s work. For a sole trader, an injury or illness can bring everything to a halt.
If you operate as a sole trader in Perth or anywhere in Western Australia, Personal Accident and Illness insurance can help protect your income. While you may not qualify for Workers Compensation or standard Income Protection, this cover provides financial support if you are unable to work because of an accident or illness.
Policies can pay a weekly benefit to replace lost income and can include capital benefits—a lump-sum payment for certain serious injuries—providing 24/7 protection worldwide.
Our experienced brokers can tailor a policy to suit your needs. Call or email Westralian Insurance today to discuss how Personal Accident and Illness insurance can keep your business and income secure.
To learn more, check out our blog articles here.
For more information or for a free quote, call our team today on 08 9302 1388
Terms, conditions, limits and exclusions apply to the products referred to above. The information provided here is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these, having regard to the appropriateness of this advice, and the relevant Product Disclosure Statement, available by calling us on (08) 9302 1388, before deciding to acquire, or to continue to hold, this product.
Q1. Who is Personal Accident and Illness insurance designed for?
Personal Accident and Illness insurance is ideal for sole traders who don't qualify for Workers Compensation or standard Income Protection, providing financial support if they can't work due to an accident or illness.
Q2. What happens to a sole trader's income if they're injured and can't work?
Unlike a large business where other staff can cover an injured employee's work, a sole trader's income can stop immediately — Personal Accident and Illness insurance is designed to replace lost income in this situation.
Q3. Does Personal Accident and Illness insurance pay a lump sum or ongoing payments?
Policies can include both: a weekly benefit to replace lost income, and capital benefits — a lump-sum payment for certain serious injuries.
Q4. Is Personal Accident and Illness cover only valid in Australia?
No, many policies provide 24/7 protection worldwide, not just while working or while in Australia.
Q5. Can I get Personal Accident and Illness insurance if I'm not eligible for Workers Compensation?
Yes — this is precisely the gap Personal Accident and Illness insurance is designed to fill for sole traders and others who don't qualify for standard Workers Compensation or Income Protection.
Q6. Will an insurer decline a Personal Accident claim over an unrelated factor like alcohol consumption?
It can happen, but it isn't necessarily the final word — Westralian Insurance has successfully challenged a declined Personal Accident claim through AFCA where alcohol was consumed after, not before, an accident, resulting in the claim being paid.
Q7. How do I arrange Personal Accident and Illness cover as a sole trader?
Call or email Westralian Insurance to discuss your circumstances — their brokers can tailor a Personal Accident and Illness policy to suit your income and risk profile.
