Many Australians insure their home and cars but they do not insure their most important asset, themselves. It’s time you received the same attention and protected yourself.

Whether you are self-employed, running your own business, or working full-time, would you be able to pay the mortgage, bills and living expenses, if you were off work due to an accident or illness?

The following findings were reported in the July 2004 “Small Business Insurance Study” conducted by Galaxy Research:

  • Too many businesses fall victim to the failure of the owner to protect their most important asset - themselves

  • For many small business owners and contractors, if they don’t work, they don’t earn. Only 37% of sole traders surveyed felt they could sustain their income if unable to work for four weeks, with the same proportion admitting they would be forced to delve into their savings to keep their heads above water.

  • One in three small business owners and contractors without Accident and Sickness insurance believe that their financial shortfall would be met by their superannuation, Medicare, or private health insurance. While Medicare and health insurance may cover some hospital and medical costs, they will not replace income*.

  • Superannuation products offered to small business owners and blue collar workers may not provide income protection* in the event of accident or sickness.

 

We pride ourselves on our personalised service. Insurance can be complex, which is why we come to you at your convenience to assess your needs and recommend the most appropriate product.

*Combined products are “defined benefit” products which means that you can select from a range of eligible benefits