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Illness & Injury Insurance For Tradesmen

Statistics consistently indicate that approximately seven of every ten illness and accident insurance claims are the result of sickness

.

Previously known as Income Protection, Illness and Injury Insurance is unlike WorkCover, because sickness and accidental injury covered by Illness and Injury insurance covers you even when youre not at work.While workplace accidents and injuries are quite common, Australian Illness and Injury insurance is provides 24 hours, 7 days a week insurance cover for tradesmen whether they trip over at work and break a leg or if they do the same when at home playing with the family pet.

For tradesmen, personal accident and sickness covered by injury and illness insurance, provides money for daily living expenses and ensure their work commitments are met while they are recovering. Many tradesmen dont realise just how long they are able to survive without income. Depending on the severity of the accidental injury or the how bad the sickness, they could easily be away from work for six months or more.

Illness and Injury Insurance is a tradesmans answer to being able to pay the rent, mortgage, car payments and put groceries on the table.If you are a tradesmen, ensuring your have insurance cover for accidents, injury and sickness via an injury and illness insurance policy is a must.Research reveals that many self-employed tradesmen particularly over the age of 45 years will be out of work for around three months or longer at some time during their working life.


Tradesmans Illness and Injury Insurance should be considered an essential part of a tradesmans business insurance package, which should also include other must have insurance policies: Public Liability Insurance, Tools Insurance, Business Insurance and Commercial Motor Vehicle Insurance.Applying for and being accepted by the insurance company for Illness and Injury Insurance is as easy as completing health statement and application form.Approval time is usually 24 hours, however on occasions we have achieved urgent income protection insurance approval within a couple of hours.

While the paperwork is easy to complete and your consultant will guide you through it, it is important that you complete it honestly and disclose ALL relevant details about your health and work practices.As is the case with all Australian Illness and Injury Insurance and other insurance policies Public Liability Insurance, Tools Insurance, Business Insurance, Commercial or Work Vehicles Insurance there are some exclusions you should know about.

Tradesmen will not be covered by Australian Illness and Injury Insurance in the event of self-inflicted injuries, if they commit suicide, if they are pregnant, or for some insurance providers, if they are injured riding a motor cycle if they are riding directly to or from their work.


When it comes to the level of Illness and Injury Insurance cover taken, it is important that you take enough to cover your real cost of living requirements, however be aware that insurers may request verification of your income at claim time. Some Injury and Illness Insurance policies will allow you to cover up to 60% of your fixed business expenses. However, some conditions apply and for specific details it is important to discuss this with your insurance consultant or refer to the product disclosure statement.

Illness and Injury insurance premiums specifically for tradesmen and subcontractors, start from as low as $40 per month. When you take an Australian Illness and Injury insurance policy check that your premium may be paid monthly at no additional cost.To find out more information about Tradesman Illness and Injury Insurance, Public Liability Insurance, Tools Insurance, Business Insurance and Commercial Motor Vehicle Insurance look on the web for an online quote or speak to your insurance consultant.

Always refer to your Product Disclosure Statement for complete details.

by: Malcolm Nguyen
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Illness & Injury Insurance For Tradesmen Anaheim