One of the biggest challenges for small business and sole-trader enterprises is surviving downtime. And injury or illness can bring on the toughest times of all. But there’s a way to hugely reduce the stress and huge financial loss that ‘being crook’ can cause.
There’s no way to predict an unlucky fall during a rowdy game of weekend footy with the kids or a twisted ankle running along the beach. But it doesn’t change the result: unable to work…downtime.
For sole traders and small outfits especially, it can be a very serious situation. Not only will be there be no income for the duration of the injury or illness, but the medical expenses are likely to build fast – and have the potential to be huge.
That’s why Personal Accident & Illness insurance should be a vital consideration for any business owner or operator.
Peace of mind
Personal Accident & Illness insurance provides a weekly income benefit following an accidental injury or illness, once signed off from work by a medical practitioner, for a set amount of time.
Policy benefits:
• Can include a weekly benefit of up to 85% of income (limits apply)
• 24/7 worldwide cover
• Covers on and off the job (including on holiday), and
• No medical or doctor visit to apply.
A sound decision
Depending on the level of cover requested, Personal Accident & Illness insurance can help take care of an income while a landscaper is unable to work, making it easier to pay the mortgage, car payment, school fees and other bills that don’t stop.
The peace of mind alone would go a long way toward aiding recovery, surely?
And as far as peace of mind goes, nothing sends the blood pressure soaring faster than visits to the GP and sitting on hold on a phone call for ages. Those things don’t happen with BizCover.
Fast and efficient
With busy tradesmen in mind, a quick visit to the BizCover website can see a landscaper covered for injury downtime in just a few minutes.
It can be done via a smart phone.
Key in the requested info, compare quotes, buy, and get back to work. It’s as quick and simple as that.
For on-the-go cover, go to bizcover.com.au or call 1300 805 821 today.
Disclaimers: this information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the PDS or policy wording. © 2025 BizCover Pty Limited, all rights reserved. ABN 68 127 707 975; AFSL 501769