Illness & Personal Accident Insurance Australia
When you’re working on-site or running your own trade business, an injury doesn’t just hurt—it can stop your income in its tracks. Personal accident insurance in Australia steps in when you’re off the tools, paying you a weekly benefit so you can keep the bills covered while you recover.
At All Trades Cover, we protect tradies quickly so you can focus on getting back on your feet and not stress about lost income.
What’s Included in Your Personal Accident Insurance
We’ve built our personal accident and illness insurance to back you when you’re off the tools and the clock. Whether it’s a busted knee or a serious accident, your cover keeps the income coming in, so you can focus on recovery, not the bills.
Weekly Benefits That Work Like a Paycheque:
- Weekly income replacement if you’re injured and can’t work
- Agreed Value Option: Choose how much you want to be paid weekly (up to your selected benefit limit)
- Flexible Benefit Periods: Coverage available for up to 2 years (depending on your age)
- Standard 14-day excess period before weekly payments start
- Extended 30-day excess for illness-related claims like COVID-19
- Customisable waiting period and benefit amount
Extra Protection Built In:
- Optional illness cover
- Lump sum payouts for permanent disablement or accidental death (Capital Benefits)
- 24/7 cover available – on the job or off
- Tailored for sole traders, subcontractors, and business owners who don’t get sick leave
No sick leave? No worries. Whether you’re working solo, contracting, or managing a crew, this policy helps you stay afloat when injury or illness takes you out of action.
Common Coverage Amounts
Choose a level of income protection that suits your trade, income, and personal commitments.
Standard $1,000/week
Professional $2,000/week
Super Cover $3,000/week
How to Get Your Public
Liability Insurance
Enter Your Details
Fill out our online underwriting questions and submit them to our broking team.
Contact Us Directly
Our brokers will review your submission and contact you directly with your options.
Get Covered
Request coverage and receive your policy documents.
Trusted by over 100 trades across Australia. Fast quotes, zero stress,
and cover you can count on—so you can get on with the job.
Insurance Options Built For You
Having the right coverage means peace of mind and fewer risks on the job. All Trades Cover provides specialist trades and construction insurance in Australia, safeguarding your business from unexpected setbacks—whether it’s property damage, stolen tools, or project delays.
With policies tailored for sole traders, contractors, and large-scale projects, we help your work move forward so you can get on with the job.
Public Liability Insurance
Public liability insurance covers a business against claims made by third parties for property damage or physical injury that may occur during trading.
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Contract Works Insurance
For large-scale trade projects, this cover safeguards your materials, contracts, and liability, ensuring smooth project completion without financial roadblocks.
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Property & Tools Cover
Your tools are essential to your trade—our brokers can help you find insurance that protects against theft, loss, or damage.
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Business Package Insurance
Running a trade business means juggling risks. This all-in-one policy protects your premises, stock, equipment, and business operations in a single, cost-effective solution.
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Professional Indemnity Insurance
If a client claims you’ve made a mistake or given incorrect advice, indemnity insurance helps cover legal costs and compensation, keeping your reputation intact.
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Commercial Vehicle Insurance
Your work vehicles are essential to your business. Protect them from accidents, theft, and damage to ensure you always have transport when you need it most.
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Workers Compensation Insurance
Keep your team protected. This policy covers your employees’ medical expenses and lost wages if they get injured on the job.
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Mining Contractors Insurance
Mining involves high-risk environments—our brokers can assist in arranging specialist policies designed for mining contractors. We have access to policies specifically designed to protect mining contractors to ensure your business activities are covered onsite.
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Trusted by Aussie Tradies for Over 30 Years
Proudly ranked top 10 in the Insurance Business Top Brokerages from 2013 – 2024.
Why Choose
All Trades Cover
With over 30 years backing Aussie tradies, we know what’s on the line when injury takes you off the job. We’ve built personal accident insurance that works the way you do—straightforward, fast, and built to keep your income protected.
Fast Quotes, Quick Cover
Get a competitive quote in minutes and have your income protection sorted same day, no waiting, no mucking around.
Backed by Australia’s Leading Insurers
We work with top-tier insurers to bring you reliable, trade-ready policies at sharp prices.
Tailored for Trades
From carpenters and sparkies to civil contractors and company directors, our policies are built around real income risks, not generic cover.
Support When You Need It Most
Injury is stressful enough. We handle the paperwork and guide you through claims, so you can focus on recovery, not red tape.
Get the Right Cover in Just a Few Clicks
Compare top-rated public liability options, get an instant quote, and secure the right insurance—without the paperwork headache.
Our Happy Customers
Make a Claim
Injured and Off Work? We’ve Got You. Whether you’ve had a fall, the flu, or something more serious, we’ll help you make your personal accident or illness claim smoothly and fast.
- Reach Out First
Call 1300 826 850 or email [email protected]
- Gather the Essentials
Medical reports, doctor’s notes, and anything from your GP or physio that confirms your time off.
- We’ll Handle the Details
We help with income verification and any insurer paperwork.
- You’re Not Alone
We’ll stay with you through the process and check in until you’re back on your feet.
Frequently Asked Questions
What does personal accident insurance typically cover?
Is illness covered as well, or just injuries?
How much will I get paid if I make a claim?
How long will I get paid for?
Is there a waiting period before payments start?
Do I need to take a medical test to apply?
Can I get cover if I’m already on a workers’ comp claim?