Personal Accident and Sickness insurance can insure your loss of income on a weekly / monthly basis and can also include a lump sum payment for insured events like Death and permanent injury or disablement.
Sole Traders and Partnerships will often take out this insurance cover as they are unable to insure themselves personally under their workers compensation insurance.
There are many cover options and excess options available so talk to the team at ProBuild Insurance Brokers about your Accident & Sickness insurance.