Accident & Illness Insurance in Adelaide

Income Protection for Business Owners and Contractors

If you run a business or work for yourself in Adelaide or across South Australia, your income depends on your ability to work. If that stops due to illness or injury, the financial impact can be immediate.

Unlike employees, most business owners and sole operators don’t have access to sick leave or workers’ compensation. Expenses continue, regardless of whether you can work.

What This Cover Does

Accident and illness insurance (often referred to as income protection) provides regular payments if you’re unable to work due to injury or illness – whether it happens on the job or outside of it.

This can help you:

• Stay on top of personal and business expenses
• Maintain financial stability during recovery
• Avoid returning to work before you’re ready

Where People Get Caught Out

Policy details like waiting periods, benefit periods and definitions of incapacity vary more than many expect. These differences can significantly impact how a claim is paid.

A Practical Safety Net

For many business owners in South Australia, this type of cover plays a key role in protecting both personal finances and business continuity.

At Maxton Insurance Brokers, we work with clients across Adelaide to structure income protection policies that reflect how they actually earn.

If you’re unsure whether your current cover is adequate, it may be worth reviewing it with a broker who understands local working conditions and risks

For more information, get in touch with our team.