05 Dec 2011

Having adequate cover against fire, theft, breakdown and all the usual unforseen calamities is an essential and necessary part of doing business. If you’re abusiness owner this is not exactly news and you probably already protect your business from the threats to its viabilitywith a range of insurance policies. But what about YOU, the person; the individual with the personal responsibly of that close circle of people totally dependent on your continued wellbeing – your family?

How are you off for Disability or Personal Accident and Illness Insurance? This cover is designed to help carry you and your family through the tough times if you are unable to work due to a serious accident or illness. There’s no doubt it’s a cost effective protection against unknown, untoward events that may be just around the corner waiting to pounce. If you’re in business as a sole trader or in a partnership, and if Workers Compensation cover is not available to you, your best option is Personal Injury and Illness insurance. This type of insurance can provide you with weekly or monthly payment benefits for accidents that have causedyou injury or a lump sum for your family in the event of accidental death. Cover varies widely between policies and insurers so if you are considering the protection of this form of insurance your Broker is the best place to find out what’s available and get advice on the best cover for your circumstances. Unlike Life Insurance policies, Personal Accident cover is renewed annually and you must advise your Broker if your circumstances have changed each time you renew your policy. Anytime, anyplace. That’s the nature of accidents; and unfortunately they can cause hardship and runaway expense but if you have the cover you can breathe a lot easier. Contact your account manager for more information about this indispensible protection to ensure you and your family are looked after should accident or illness strike.

Print