Personal Accident & Illness

Income protection for individuals unable to work due to injury or illness. Ideal for self-employed professionals and contractors.

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Personal Accident & Illness

If you’re self-employed or not covered by workers’ compensation, a serious injury or illness can impact your income overnight. Personal Accident & Illness Insurance helps cover lost earnings while you recover.

We tailor cover to suit your work, income and lifestyle needs, so you can focus on recovery without financial pressure.

Pays a portion of your income while you are temporarily unable to work due to a covered injury or illness.

Reimbursement for non-refundable travel and accommodation expenses if a trip is cancelled or cut short due to unforeseen events.

Choose from accident-only cover or extend it to include certain illnesses that prevent you from working.

Select waiting and benefit periods that suit your budget and risk profile, from a few weeks to up to five years.

Why it matters

Accidents and illness don’t just affect your health. They can put stress on your finances, business and long-term plans. Without a backup plan, even a short period off work can leave you vulnerable. This cover provides income support to help cover bills, living costs or loan repayments while you recover.

HOW WE CAN HELP

Need help or a quote?

Want to know what’s included or how this cover could work for your business? Simply fill out the form below with your query, and our team will get back to you!

Created by Brokers, Driven by Business.

About All Risk Protection

All Risk Protection (ARP) is a dynamic new presence in the insurance landscape, formed as a partnership model through the unification of Jacob Ross, Matthew Denehy, Chris Murfin, Mark Hydes and Rob Wilson.

Operating under our own Australian Financial Services Licence (AFSL), we bring a renewed focus on protection, exceptional service, and delivering results that matter for our clients.

With established offices on the Gold Coast, Queensland and Central Coast, New South Wales, along with representatives in the ACT, Brisbane, Sunshine Coast and Sydney; we offer tailored, scalable insurance solutions for SMEs, Corporate entities, and commercial clients across Australia.

Your protection is our priority.

Exceptional results for your business

A growing partner network.

Technology that boosts your efficiency

Protection is our Promise.

Let’s simplify your insurance journey and protect what matters.

Whether you’re looking for a tailored policy or expert insurance advice, our team is here to help. Contact us today for a no-obligation consultation.

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