Accident and health insurance for business owners and teams
If an injury or illness stops you working, your income can stop too. We arrange personal accident and sickness cover for business owners, sole traders and their teams Australia-wide.
We compare cover across a range of insurers and help you choose benefits, waiting periods and limits that suit your situation.
Covers to consider
Every business is different. Depending on what you do, a sensible program may include:
Personal accident
Weekly income if an injury stops you working.
Sickness
Weekly income if an illness stops you working.
Lump sum benefits
Payments for serious injuries such as permanent disability.
Group personal accident
Cover for employees, volunteers or contractors, on and off the job.
Business travel accident
Accident cover while travelling for work.
Non-Medicare expenses
Some costs not covered by Medicare, where available.
Who it's for
- Sole traders
- Tradespeople
- Business owners and directors
- Contractors not covered by workers compensation
- Volunteers
- Sporting clubs
- Associations
- Employers wanting extra staff benefits
Benefits, waiting periods and exclusions vary between insurers. We explain the key terms before you buy.
Real risks we help you plan for
Injury on the job
A fall or tool injury stops a self-employed tradie working for weeks.
Illness
A serious illness means time off with no income.
Out-of-hours accidents
An injury on the weekend still stops you working.
Volunteer injuries
A volunteer is hurt helping your organisation.
Ongoing costs
Your bills and loan repayments continue while you recover.
Travel accidents
An accident while travelling for work.
How we work with you
Independent broking, Australia-wide, with one point of contact.
- We learn how your business runs and what you need to protect.
- We compare cover across a range of insurers and explain the key inclusions, exclusions and limits in plain English.
- We help with certificates of currency for contracts, financiers and leases.
- We support you at renewal, when things change, and through the claims process.
Frequently asked questions
Is this the same as workers compensation?
No. Workers compensation covers employees as required by law. Personal accident and sickness cover helps people who are not covered, such as sole traders and contractors, or adds extra benefits.
How long is the waiting period?
You can usually choose one, often from 7 to 30 days. A longer waiting period lowers the premium.
Can I cover my whole team?
Yes. A group policy can cover employees, contractors or volunteers.
Talk to us about your cover
We will look at your work, your income and what you need to keep covered, and talk through your options. Call us, email us or request a callback. We service clients Australia-wide.
Get in touch
- Phone
- (03) 9078 6473
- info@mminsure.com.au
- Hours
- 9:00am to 5:30pm, Monday to Friday
Find out more
Every business is different - which means you need an insurance solution that is tailored for you. For more information, contact us today.
Contact us