Personal Accident & Sickness Insurance. Tailored cover for you.

Life is stressful enough, without worrying whether your insurance cover is right.

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Why Perth Residents Choose Austgroup Insurance Brokers

Family owned business
30+ years experience
Personal local advice
Claims help when needed

What Does Personal Accident & Sickness Insurance Cover?

Personal Accident & Sickness Insurance is designed to provide financial support if you’re unable to work due to an illness or injury covered by your policy. For self-employed business owners, contractors, and individuals who rely on their income, it can help reduce the financial impact of time away from work.

Whether you’re running your own business or working as an independent professional, the right insurance can help protect your income when the unexpected happens. At Austgroup Insurance Brokers, we’ll tailor a Personal Accident & Sickness Insurance solution to suit your occupation, income, and personal circumstances.

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What Can Personal Accident & Sickness Insurance Help Protect?

Personal Accident & Sickness Insurance helps provide financial support if you’re unable to work because of a covered injury or illness.

Depending on your policy, cover may include:

Weekly income benefits during a covered period of incapacity.
Cover for accidental injuries.
Cover for eligible illnesses that prevent you from working.
Lump sum benefits for certain specified events, where applicable.
Rehabilitation and return-to-work support, where available.
Accidental death or permanent disability benefits, where included.
Financial support during temporary incapacity, subject to policy terms.
Flexible benefit options to suit different occupations.
Financial protection tailored to your income and lifestyle.
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Who needs Personal Accident & Sickness Insurance?

Personal Accident & Sickness Insurance is suitable for individuals whose income could be significantly affected if they were unable to work due to illness or injury. Tailored cover can provide valuable financial support while you focus on your recovery.

Self Employed Business Owners

Help protect your personal income if you're temporarily unable to work due to a covered illness or injury.

Sole Traders and Contractors

Insurance designed for individuals who don't have access to employer-funded leave entitlements.

Tradespeople

Protect your income if a physical injury prevents you from carrying out your normal work duties.

Consultants and Professionals

Cover professionals whose ability to earn an income depends on their continued capacity to work.

Freelancers

Help safeguard your income while recovering from an unexpected illness or injury.

Small Business Owners

Tailored insurance solutions for business owners who rely on their ongoing involvement in day-to-day operations.

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What a Business Insurance Package Can Include

Protects your business if someone is injured or property is damaged. Common for trades, retail, hospitality and service businesses.
Public Liability

Protects your business if someone is injured or property is damaged. Common for trades, retail, hospitality and service businesses.

Product Liability

Protects your business if someone is injured or property is damaged. Common for trades, retail, hospitality and service businesses.

Professional Indemnity

Protects your business if someone is injured or property is damaged. Common for trades, retail, hospitality and service businesses.

Workers Compensation

Protects your business if someone is injured or property is damaged. Common for trades, retail, hospitality and service businesses.

Motor Vehicle

Protects your business if someone is injured or property is damaged. Common for trades, retail, hospitality and service businesses.

Corporate Travel

Protects your business if someone is injured or property is damaged. Common for trades, retail, hospitality and service businesses.

Business Interruption

Protects your business if someone is injured or property is damaged. Common for trades, retail, hospitality and service businesses.

Property and Contents

Protects your business if someone is injured or property is damaged. Common for trades, retail, hospitality and service businesses.

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Insurance Cover for Every Stage

Business Insurance

Our commercial packages provide a wide range of business insurance protection, tailored to the exact coverage your business needs.

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Personal Insurance

Protect what matters most with personal insurance solutions designed to support you and your family through life’s uncertainties.

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Why Perth Businesses Choose Independent Brokers

Buying insurance should not mean sorting through endless options on your own. An independent insurance broker gives you access to more choices, clear advice, and support when you need it most.

Access to More Insurers

Compare options from multiple insurers, giving you more choice and greater confidence in your cover.

 

 

Independent Advice

Our recommendations are driven by your circumstances, ensuring your insurance program aligns with your risks, goals, and budget.

 

Claims Support

We’re by your side when it matters most, providing expert guidance, managing the claims process with insurers, and helping you achieve a smooth and timely outcome.

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Not Sure What Cover You Need? We're Here to Help.

Start with a conversation and we’ll help you make sense of your options.

Resources & Insurance Insights

Practical guides and updates to help you make better decisions and stay informed.

Frequently Asked Questions

What's the difference between Public Liability and Product Liability Insurance?
Public Liability Insurance protects your business if someone is injured or their property is damaged because of your business activities. Product Liability Insurance specifically covers claims arising from products you manufacture, supply, import, or sell.
Professional Indemnity Insurance is designed for businesses and professionals who provide advice, consulting, designs, or other professional services that could result in financial loss for a client.
Public Liability Insurance is suitable for businesses that interact with customers, suppliers, contractors, or members of the public, including trades, retailers, hospitality businesses, consultants, and service providers.

Ready to Protect What Matters Most?

Don’t wait until something goes wrong to review your cover. Our Perth-based team is ready to help you get started today.

Office Address

Suite 3/286 Fitzgerald St Perth WA 6000

Postal Address

PO Box 522, North Perth WA 6906

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