Did you know self-employed workers in Australia generally don't qualify for workers' compensation?

This means that if you get sick or injured and can’t work, your income could dry up overnight. And nobody wants that. So let’s make sure it doesn’t happen.



Some things are only found in eating seafood at Christmas.

Or the inclusion of automatic insurances inside our retirement saving plans. And while the latter appears strange at first, just like prawns on the BBQ, it actually makes a lot of sense.

This is because superannuation is money for when you can no longer work – but that may not necessarily be when you get old.

So the automatic insurances inside super serve as support in case of heartbreaking times.

But what can be really heartbreaking, is paying for insurance that won’t cover you just because you’re self-employed.

Sounds crazy right? You still earn a living, you deserve the cover. Sadly, some super funds don’t agree. (Quick tip: Search ‘self-employed’ on your current insurance guide to see if you’re eligible for cover.)

Which is why we sat down with our insurer and explained the problems with some existing policies as they relate to self-employment.

Then we designed insurances specifically for self-employed folks.


Our definition of ‘work’ includes self-employed work.

This might seem obvious, but if a policy doesn’t recognise your self-employed efforts as ‘work’, then trying to make a claim when you can’t ‘work’ could be a nightmare.

Let's see an example...

James - cleaner

Let's say that this is James – a self-employed steam cleaner who pays for insurance inside his super (he's not real but, he’ll sound familiar).

James steam cleans people’s homes, but one day he’s tragically involved in a serious accident where he hurts his back. He’s still capable of daily living activities – like feeding himself – but he can’t work because he can’t carry his cleaning equipment to and from each job.

He also can’t do any other jobs to which he’s suited by his education, training and experience.

Super funds which cater to self-employed people consider James to be totally and permanently disabled, and therefore eligible to make a claim because he can’t return to ‘work’.

However, other funds will possibly reject his claim because they don’t include self-employment in their definition of ‘work’. For those funds he’d likely need to prove a brutal injury like limb loss (e.g. hands/feet) or not being able to go to the bathroom on his own.



We'll guide you through


There are countless insurance companies on the market.

So what makes insurance inside GigSuper so easy?

For starters, as soon as you have $6,000 or more in your Super account, you become eligible for our insurance cover. If you’re 25 years or older, $50,000 of default Life and Total Permanent Disability (TPD) cover will automatically kick in. If you're under 25, you can apply for voluntary cover or you can just wait for the default cover to kick in on your 25th birthday.

To increase it to anything up to $500,000 of TPD, Life Insurance, or Income Protection – we’ll only ask you for some quick, additional info to make sure you qualify.

And if your circumstances change, and you want to adjust your insurance, just let us know.

Don’t want any insurance at all? That’s cool, too. Switch it off anytime.


Just a heads up that there are some circumstances where default cover won't cover you so it’s best to refer to our Insurance Guide for full details. You should also regularly check your insurance cover and premiums to make sure your super balance isn’t paying for insurance that you may no longer need.

YOU'RE INSURED BY one of the biggest INSURERS in the business

  • hannover re


Our insurance policy was designed to keep the premiums low, while still covering a broad range of self-employed occupations within our community.

However, some professions are simply riskier than others. If you’re on the list below get in touch to let us know and we’ll do our best to work with our Insurer to get you cover in the future.

Excluded occupations include:

  • Aviation worker such as a pilot, air traffic controller or aerial photographer.
  • Emergency services worker such as a fireman, police officer, ambulance officer or paramedic, except as a volunteer.
  • Entertainer working professionally such as an actor, dancer, musician or performer. (We find this one odd, but Insurers seem to think you folks party too hard?)
  • Forestry worker such as a tree feller or sawmill worker.
  • Horse racing industry worker such as a jockey, trainer or strapper.
  • Mining worker such as a miner, mineral explorer earth driller or explosives handler.
  • Offshore worker such as a fisherman, oil rig worker or diver.
  • Seasonal worker.
  • Security worker such as a security guard, doormen, bouncer or crowd controller.
  • Sex worker.
  • Sports person working professionally or semi-professionally.
  • Underground or underwater worker.
  • Working at heights above 10 metres such as a rigger, scaffolder, roof worker or antenna erector.

Make sure that you've got cover that makes sense for you.

Our insurance policy was designed to keep the premiums low, while still covering a broad range of self-employed occupations within our community.

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