Business Insurance
Protection for injury, illness, disability and death
Accidents and illness bring costs you can't plan for — medical expenses, rehabilitation, lost wages, reduced productivity. Personal accident and illness cover steps in when you can't work.
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What does it cover?
This cover pays out for your income loss regardless of whether the illness or injury was work-related. That's what sets it apart from workers compensation.
- Accidental injuries — Cover if you're injured doing your job — including a motor vehicle accident. Excluded where alcohol or drugs played a role.
- Illness — Cover when a health condition stops you working and you need help managing daily tasks at home.
- Disability — Some policies cover temporary or permanent disabilities that stop you earning a living.
- Death — A one-time lump-sum payment to your beneficiaries for accidental or illness-related death.
Types of accident & illness insurance
- Income Protection — Regular payments to replace income lost through illness or accident.
- Trauma Insurance — A lump-sum payment for critical illnesses such as stroke or heart attack.
- Total & Permanent Disability — A lump-sum payment if you're permanently disabled by accident or illness.
- Accidental Death — A lump-sum payment to your listed beneficiaries in the event of accidental death.
From our clients
“Our dealings with KeyInsure have always been very friendly and helpful, also very quick response and professional advice. Pretty sure they save us money on our insurances also. Thank you.”
KeylendCommon questions
Why do personal accidents & illness need insurance?
It's crucial for contractors and sole traders who aren't covered by workers compensation. Time away from work hits your income directly — and our cover applies around the clock, on and off the job, so you can focus on getting better.
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General advice only. Consider the relevant PDS & TMD before acquiring any product.