If eligible, monthly payments can be arranged through a premium funding agreement with Hunter Premium Funding to help you spread the costs of your insurance across the year*. Please note that the total overall cost is higher if you pay monthly. Contact us on 02 6190 0958 or by email on [email protected].

You will find details of how to make a claim in the policy wording you receive from us. However, we also appreciate that having to make a claim can be a stressful time which is why, as your advocate, we are always on hand to help with any questions. Please do not hesitate to call us on 02 6190 0958 during business hours.

Our opening hours are 8.30am to 5:30pm Monday to Friday (AET, except public holidays). If you need to contact us out of hours you can email by clicking here and your query will be picked up on the next business day.

It is important to keep your policy up to date with the changing shape of your business but also to keep your business and personal information up to date in the event of a claim.
Should your business circumstances have changed, for example you have moved into new premises or you have changed the services that you offer and you are not sure if your existing insurance covers it anymore then you can always call one of our experienced friendly brokers to discuss on 02 6190 0958.

• Weekly Benefit payments up to 85% of your average weekly income (or other pre-agreed value) if you are accidently injured or become sick and are unable to work¹.
• Nominate a waiting period of either 14 or 28 days before payments commence².
• Approved claim payments can be made for up to 52 or 104 weeks (whichever you pre-select).

Business Expense cover is an optional additional cover which is intended to provide a weekly benefit of an agreed amount you pre-nominate (maximum of $950) for a maximum benefit period of up to 52 weeks to cover fixed business expenses you would typically incur in producing your income should you become totally disabled.

These expenses typically can include expenses such as rent, electricity, water, gas or telephone charges; lease payments for equipment or motor vehicles; and other expenses that are usual for your type of business and for which you are entitled to claim as business expenses for income taxation purposes (except depreciation).

They do not typically include:

• cost of capital equipment;
• personal expenses;
• cash drawings from the business for personal use;
• wages, salaries or fees for you; or
• the cost of stock or merchandise

Capital Benefits Cover is an additional optional cover which is intended to provide a lump sum payment when you suffer an eligible injury. You can choose the lump sum benefit amount and also select the insured events to be covered by the policy.

The amount of lump sum benefit varies between 1 - 100% of the insured amount – depending on the severity of the injury.

You can change the level of Capital Benefits cover you wish to be insured against and pre-select the sum insured from a range of $50,000 to $200,000 (higher limits may be available upon application).

Every policy has terms, conditions, and exclusions, and you must read the Product Disclosure Statement and policy wording to fully understand the all the terms, conditions and exclusions. Notable exclusions for personal accident insurance are:

• Pre-existing conditions, sickness or injuries
• Injury related to high-risk activities (such as parachuting or hang gliding)
• Claims arising from participation in professional sport
• Claims occurring while under the influence of alcohol and drugs
• Deliberate self-infliction of injury or sickness