What Happens if You Get Injured and Can’t Work? Why Tradies Need Income Protection
You’re a tradie. You work hard, often long hours, using your hands, your body, your gear. But what happens if you get hurt and can’t work for a few weeks… or months?
For many tradies, taking time off work means one thing: no income. And when your mortgage, bills, and family depend on you bringing in that income, things can go downhill fast. That’s where income protection comes in.
What is Income Protection?
It’s a type of insurance that pays you a percentage of your regular income if you can’t work due to illness or injury. Simple as that. You’re still earning, even when your body needs a break.
It’s a type of insurance that pays you a percentage of your regular income if you can’t work due to illness or injury. Simple as that. You’re still earning, even when your body needs a break.
Real Talk: Tradies Are at Higher Risk
Let’s be honest — being a tradie comes with more physical risk than a desk job. Whether you’re working at heights, with tools, on slippery surfaces, or in the sun all day, the chance of injury is higher. Even a busted knee or a dodgy back can put you out of action for longer than you’d think.
Income protection acts as a financial backup plan.
“But I’m Fit and Healthy”
That’s great — and we hope it stays that way! But accidents happen. We’ve seen fit, healthy tradies sidelined for weeks after something as simple as a slip on-site. Injuries like a torn wrist ligament can mean months away from the tools. Having cover in place can help keep the bills paid while you recover.
Is It Expensive?
Not necessarily. Premiums vary depending on your age, trade, income, and other factors. What’s important is understanding the differences between policies and how they’re structured.
In many cases, income protection premiums are also tax-deductible — that’s a win.
Want to Know More?
We work with a lot of tradies — chippies, sparkies, plumbers, and more — and we get what matters most to you. If you’d like a quick, no-fuss chat about how income protection works for tradies, book a 15-minute Tradie Insurance Check-In with us.
📞 Or call us on 1800 978 708
General Advice Disclaimer: The information in this article is general in nature. It does not take into account your personal objectives, financial situation, or needs. Before making a decision about insurance, consider whether it is appropriate for your circumstances and read the relevant Product Disclosure Statement (PDS).
