1. Financial Services
    2. /
    3. Income Protection

    Income Protection

    Income Protection Insurance and Business Expenses Insurance are important aspects of any financial plan.

    If you had to stop work because of sickness or injury, there’s no doubt life would get unnecessarily stressful.

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  • Your ability to earn an income is likely to be your most valuable asset in life! Insuring your income can give you peace of mind that your family and lifestyle will be protected while you recover if you are unable to work due to injury or illness.

  • Policies Available For

    With an appropriate Income Protection Insurance cover you can arm yourself against these possible threats to your lifestyle.
    These premiums are generally tax deductible.

    • Employees

      The cover usually pays up to 75% of your net income before tax. If the worst case scenario becomes a reality you can still pay your regular bills such as your utility bills and your mortgage, school fees, put food on the table and provide the necessary expenses for your family.

    • Self Employed Persons

      Need to protect themselves against sickness to make sure they can still function financially in the event of illness or accident, especially since they don’t have the standard employee benefits paid to employees..

    • Businesses

      Income Protection Insurance can also cover 100% of non variable business expenses.

  • Why Us?

    Our Advisers assess your needs and seek the most effective cover that will respond to your occupation, age and income bracket.

  • FAQs

    Frequently Asked Questions for Income Protection Insurance and Business Expenses Insurance.

    • How do I make a claim?

      As your Adviser, you will always contact Citycover in the first instance and we will guide you through the claims process as this can vary from insurer to insurer.

    • Can I claim the premiums in my tax return?

      Yes, genuinely premiums are tax deductible for both self employed persons and employees.

    • Am I covered whilst overseas on holidays?

      Yes, in most cases you are covered 24/7 worldwide. It’s important to review your policy to ensure this is included.

    • Can I have my existing superannuation fund my external cover?

      Yes, this is an outcome that can be achieved, it is important to consider any restrictions that the superannuation legislation may impose.

    • I am self-employed, what is considered income?

      Depending on individual circumstances, a range of financial constituents can be considered as income. E.g. wages/salary, dividends, directors’ fees, depreciation, superannuation contributions etc. Best to liaise with an adviser to accurately determine appropriate level of cover.

  • Need Help?

    Our experienced team is ready to answer any questions you have.

      • Over 45 Years of Trust
        Australians have been trusting Citycover with their insurance needs since 1972.
      • 24/7 Emergency Claims Service
        We take the stress away, as we know claims don’t just occur between the hours of 8am to 5pm.
      • Member of Austbrokers
        Top 250 ASX-listed company, better wordings, better governance and better purchasing power.
  • Need to Claim?

    • Our claims process is seamless, market leading and hassle free. You can submit a claim 24/7 online, or alternatively you can phone us during business hours on (07) 3270 1500 or after hours on 0419-710-868. Your dedicated claims specialist will assist you with your claim from start to finish.

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  • Our Team

    The knowledge and experience of Citycover’s amazing team is widely recognised. We are extremely passionate insurance professionals, who love what we do.

    • Mark Sandow

      Chief Executive Officer

      Stewart Harker


      Daneille Crawford

      Manager - Client Services

      Gayle Herriman

      Manager - Claims Services

      Kerrilyn Olver

      Claims Adviser

      David Kimber

      Senior Insurance Adviser

      Jonathan Hobson

      Senior Insurance Adviser

      Lynette Braddock

      Insurance Adviser

      Paul McGregor

      Insurance Adviser

      Tracy Livesey

      Insurance Adviser

      Liz Walker

      Insurance Adviser (AR 001256865)

      Paul Cotterill

      Insurance Adviser (AR 000442425)