Personal accident and sickness insurance for tradies in Australia
For tradies the consequences of uninsured risks could be financially brutal. Delayed jobs with income gaps can pile up fast. Understanding your policy will allow you to ensure you choose the limits and cover that is right for you.
Benefits of personal accident and sickness cover arranged by Marsh
- Age coverage: Accident cover available up to age 65
- 24/7 injury cover: Whether you’re on-site, doing DIY at home, playing weekend sport, or in a car accident, injuries don’t follow work hours. Personal Accident Insurance can cover you around the clock, not just when you’re “on the job.”
Common coverage example
One of the most frequent tradie injuries occurs from ladder-related accidents. Whether you're working on a client's property or doing maintenance at your own home, a slip and fall from a ladder can leave you unable to work. With coverage arranged by Marsh, you can receive weekly benefits during your recovery period until you're back on the tools.
The protection extends to your daily commute - those crucial journeys to and from work sites where accidents can happen, but traditional on-site coverage might not apply. This approach means you're protected during:
- Travel between job sites
- Journey to and from work
- Weekend home projects
- After-hours emergency callouts
Your weekly benefit payments help maintain financial stability while you focus on recovery, so bills can be paid and your business can keep running even when you can't.
Fracture lump sum benefits & capital benefits
Break a bone and can't work? Marsh can arrange defined lump sum payouts for fractures, because even "minor" injuries can leave you off the tools and out of income.
But protection goes beyond temporary setbacks. For more serious injuries resulting in permanent disability, capital benefit amounts are payable - providing crucial financial support when you need it most. These benefits apply whether the injury occurs at work or at home, with a standard 2-week waiting period.
How it works in practice
A tradie suffering a fractured wrist receives an immediate lump sum payout to help with immediate costs. If an injury is more severe - such as losing function in a limb permanently - the capital benefit provides substantial financial support for long-term needs. The 2-week waiting period ensures genuine claims while providing timely assistance.
Coverage includes:
- Immediate lump sum payments for specified fractures
- Capital benefits for permanent disability
- Protection both on-site and at home
- 2-week waiting period for benefit activation
- Support for both partial and total disability scenarios
This dual approach - fracture lump sums for immediate needs and capital benefits for permanent disability – can keep you covered across the full spectrum of potential injuries.
Capital benefit amount – permanently disables – capital benefit payable. 2-week period wait, at work and at home.
Optional sickness cover - choose what you need
If you're down with something that's not an accident (like a virus or infection), Marsh can arrange flexible options to match your needs and budget.
Your coverage choices:
- Injury-only cover: The affordable option that protects against accidents
- Add sickness protection: Extend coverage to include illness and disease
- Separate policies available: Choose one or both based on your needs
Not everyone needs full sickness cover. If you're young, healthy, and mainly worried about worksite accidents, injury-only cover keeps premiums lower while still protecting against the most common risks. However, if you want peace of mind, adding sickness protection ensures your income is protected whether you're sidelined by a broken bone or knocked out by the flu.
The choice is yours - tailor your coverage to your risk profile and budget, not a one-size-fits-all policy.
Business expenses cover (A key Marsh advantage)
If the insured person is totally disabled and unable to work, we can arrange a policy that covers business expenses incurred during the period of disability, subject to the maximum period specified in the policy.
Marsh can arrange cover for your fixed business expenses in cases of severe disability leaving you unable to work. Your business doesn't stop needing payment just because you're injured. The policy can cover essential business expenses during your disability period (subject to the maximum period specified in your policy), including:
- Workshop or office rent
- Utility bills and phone lines
- Vehicle lease payments
- Equipment financing
- Insurance premiums
- Other fixed business overheads
Get the flexibility you need with Marsh
Customisable waiting periods & cover levels
You’re not stuck with a one-size-fits-all plan. Choose your waiting period (like 7 or 14 days) and benefit level to match your savings, job type, and risk tolerance. Marsh can arrange cover that gives you full control.
Fast certificate of currency
Need proof of insurance to get on site, win a contract, or meet licensing requirements? Marsh makes it easy, often within minutes of quoting and purchasing online.
Support that gets it
When you call Marsh, you’re speaking to someone who understands what a tool belt or harness kit is. Tadie-savvy support that respects your time.
Note: Claim approvals are subject to assessment. Turnaround times may vary based on claim type and documentation provided.
Get covered before you get injured.
Consider this scenario: you trip at home over the weekend and fracture your wrist. Because your insurance only covers on-site work injuries, you’re not eligible to claim. Result: two weeks off the tools, no income, and missed jobs.
That’s how claim shocks happen. You assume you’re protected, then discover exclusions when you need support most.
With Marsh, you can arrange cover that operates 24/7 with defined injury benefits and flexible claim terms, depending on the policy you choose. That way, you’re not left exposed when the unexpected happens.
(Cover is always subject to policy terms, conditions, limits, and exclusions. Check your policy schedule and Product Disclosure Statement.)
