Accident & Sickness we insure

Realising the consequences that may happen in today’s hustle and bustle of a busy lifestyle, often we are pushed to neglect our health and welfare to a point where, our personal health and safety is being taken for granted. Have your clients considered what would happen to them if an accident were to occur or they became sick? Would they be able to pay their expenses and maintain their lifestyle?

Ryno Insurance’s suite of Accident & Sickness products have been developed to assist your clients in their time of need. With competitive cover available under our products, you and your clients can rest assured that with Ryno’s Accident & Sickness insurance, they will be covered when they need it most.

Having Accident & Sickness insurance is important, as it ensures your client still receive a portion of their income to support themselves and their family in the event they are unable to continue work due to a serious illness or injury. The purpose of the policy is to help your client replace some of their lost earnings during the claim. This ensures that your client is still able to keep up with their essential expenses such as rent, utility bills, mortgage, etc.

At Ryno, we are able to arrange appropriate cover with a wide range of solutions that comes with competitive premiums. While we can’t predict when an accident will occur, with Ryno’s Accident & Sickness insurance policy, your client could be insured for up to 85% of their income and in some cases, if the cover is taken, they are also able to insure some fixed business expenses.

Ryno’s Accident & Sickness insurance policy can provide your client with that extra layer of peace of mind that your client and family deserve.

Ryno is able to arrange the following products for your client including:


Individual Personal Accident & Sickness

Ryno Insurance’s Individual Personal Accident & Sickness policy has been designed for Australian employees, the self-employed or for company directors that may not be covered under their organisations Workers Compensation insurance.


Group Personal Accident & Sickness

Ryno Insurance’s Group Personal Accident & Sickness policy has been tailored to your client’s organisation in the event that one of their employees become sick or injured.


Voluntary Workers Personal Accident

For many organisations, voluntary workers are wonderful assets to have. Ryno offers Voluntary Workers Personal Accident insurance to assist in providing cover for injuries that your clients’ volunteers may incur.


Sports Group Personal Accident

Accidents can occur at any time when playing sport, which can result in players being benched from the game and potentially their job. Ryno can assist in providing your clients with Sports Group Personal Accident cover, which removes some of the financial dilemma for both the organisation and member involved.

Ryno Insurance is able to arrange the above policies, and some of the many benefits available under our policies are:

Full details of cover and extensions provided, please refer to our PDS.

Our personalised and competitive cover for your client’s Accident & Sickness is tailored to suit their needs. They can choose to cover only what they need and even opt to pay their insurance policies by instalments without extra cost. Also, we are backed by certain underwriters at Lloyd’s who aim to provide you with security and confidence.

Contact the team at Ryno Insurance to find out how we can further assist your client to get the most appropriate insurance cover for Accident & Sickness.