Downtime covered

One of the biggest challenges for small business and sole-trader enterprises is surviving the tough times. And injury or illness can bring on the toughest times of all. But there's a way to hugely reduce the stress and huge financial loss that 'being crook' can cause.

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There's no way to predict an unlucky fall during a rowdy game of weekend footy with the kids or a twisted ankle running along the beach. But it doesn't change the result: unable to work.

For sole traders and small outfits especially, it can be a very serious situation. Not only will be there be no income for the duration of the injury or illness, but the medical expenses are likely to build fast - and have the potential to be huge.

That's why Personal Accident & Illness insurance should be a vital consideration for any business owner or operator.