If you’re a subcontractor or sole trader, chances are you’re not covered by Workers Compensation which means if you get injured on or off the worksite, there’s no automatic safety net.
No income. No cover. Just bills.
We’ve made it easier than ever to protect yourself. You can now get Personal Accident & Illness Insurance online in minutes via our new All Trades Cover quote-and-bind system.
The Financial Reality of Injury for Tradies
Whether it’s a fall from a ladder, a torn shoulder muscle, or a busted ankle playing footy, if you’re self-employed and can’t work, your income stops cold.
- 64% of Australians have less than 3 months’ worth of savings to cover living expenses.
- 1 in 3 self-employed tradies have no income protection or backup plan in place.
- The average duration off work for a serious injury is 5 to 6 weeks. Many take far longer to recover fully.
- During that time, mortgage, rent, vehicle finance and tool repayments don’t stop.
With Personal Accident & Illness Insurance, you can receive a weekly benefit to help cover your income while you’re off work due to an injury or illness. You choose your level of cover, waiting period, and benefit period.
It’s affordable peace of mind and it’s now quicker than ever to get covered.
3 Injury Prevention Tips from Our Workplace Injury Specialist, Cale Milett
Cale Milett, our in-house Workplace Risk & Injury Management Specialist, brings over a decade of experience as a registered physiotherapist working with tradies and heavy industries. Here are his top three injury prevention tips:
1. Don’t “Just Push Through” Pain
Minor pain can turn into major injury. Early treatment saves time off the tools and money long-term.
2. Set Up Smarter
Whether it’s lifting technique, ladder placement or workspace layout the right setup reduces strain and accident risk by up to 40%.
3. Build Recovery Into Your Week
Hydration, sleep, stretching and downtime are just as important as hard work. Recovery isn’t a luxury it’s injury prevention.
Who Should Get This Cover?
This policy is ideal for:
- Subcontractors not covered by Workers Compensation
- Self-employed tradies working solo or under an ABN
- Workers on short-term contracts or project-based jobs
- Anyone who wants a backup plan for income protection
Whether you’re a chippy, sparkie, plumber, painter, brickie, tiler or roofer if you can’t work, you can’t earn. That’s the gap this cover fills.
Get Covered in Minutes
No paperwork. No waiting. Just quick, simple, online protection.
✅ Quote and bind online 24/7
✅ Tailor your benefit period and waiting period
✅ Weekly benefit paid if you’re off work due to injury or illness
✅ Optional extras available (like capital benefits or cover for illness)
Questions? We’re here to help.
If you’re unsure how much cover you need or want to chat through your options, our team of tradie-focused insurance specialists can help. We understand how you work and how to keep you covered.
Disclaimer: The information above is general in nature and doesn’t take into account your personal objectives, financial situation or needs. Consider the relevant Product Disclosure Statement (PDS) and speak with our team to make sure the cover is right for you.
