If you’re a contractor, subcontractor or sole trader, you’re often not covered by Workers Compensation. So if you’re injured on or off the worksite, there may be no automatic safety net.
No income. No cover. Just bills.
You can now request a Personal Accident & Illness Insurance quote through Elliott Insurance The Green Brokers, and our team will come back to you with options.
The Financial Reality of Injury for Tradies
Whether it’s a fall from a ladder, a torn shoulder muscle, or a busted ankle playing footy, if you’re self-employed and can’t work, your income may stop while your bills continue.
- 64% of Australians have less than 3 months’ worth of savings to cover living expenses.
- 1 in 3 self-employed tradies have no income protection or backup plan in place.
- The average time off work for a serious injury is 5 to 6 weeks, and many take longer to recover fully.
- During that time, mortgage, rent, vehicle finance and tool repayments don’t stop
With Personal Accident & Illness Insurance, you can receive a weekly benefit to help support your income if you’re off work due to injury or illness. You choose your level of cover, waiting period, and benefit period.
3 Injury Prevention Tips from Our Workplace Injury Specialist, Cale Millett
Cale Millett, Elliott’s Workplace Risk and Injury Management Specialist, brings more than a decade of experience as a registered physiotherapist supporting tradies and heavy industry. Here are his top three injury prevention tips:
1. Don’t “Just Push Through” Pain
Small aches can become bigger injuries. Getting onto it early can reduce time off the tools and help avoid higher costs later.
2. Set Up Smarter
From lifting technique and ladder placement to your workspace layout, a better setup reduces strain and lowers accident risk, in some cases by up to 40%.
3. Build Recovery Into Your Week
Hydration, sleep, stretching and downtime matter. Recovery isn’t a luxury, it’s part of preventing injuries.
Who Should Get This Cover?
This policy is ideal for:
- Contractors and Subcontractors who aren’t covered by Workers Compensation
- Self-employed tradies working solo or under an ABN
- Workers on short-term contracts or project-based jobs
- Anyone who wants a backup plan for income protection
Whether you’re a chippy, sparkie, plumber, painter, brickie, tiler or roofer, if you can’t work, you can’t earn. This cover is designed to help fill that gap.
Request a Quote
✅ Request a Quote Online
✅ Tailor your benefit period and waiting period
✅ Weekly benefit paid if you’re off work due to injury or illness
✅ Optional extras available (like capital benefits or cover for illness)
Questions? We’re here to help.
If you’re unsure how much cover you need or want to chat through your options, our team of insurance specialists can help. We understand how you work and how to keep you covered.
Disclaimer: The information above is general in nature and doesn’t take into account your personal objectives, financial situation or needs. Consider the relevant Product Disclosure Statement (PDS) and speak with our team to make sure the cover is right for you.
