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How it works

How it works

Designed for small business owners and the self-employed and covers  regular, fixed operating expenses of your business if you can’t work due to sickness or injury. For example:

  • Rent
  • Mortgage payments
  • Property rates and taxes
  • Electricity, telephone and other utility expenses
  • Cleaning and laundry
  • Remuneration and associated costs of non-income generating employees
  • Principal and interest repayments under a loan for the purpose of the business
  • Leasing costs of equipment or motor vehicles
  • Business insurance premiums
  • Accountancy fees
  • Subscriptions to professional associations

Can be purchased on its own or combined with Income Care or Income Care Plus. A 10% discount applies on the annual Business Overheads premium when you package it with Income Care or Income Care Plus. Certain premiums are paid back when the policy ends without a claim after three or more years of cover. Also includes:

  • A waiver of premium while you receive certain benefits
  • Cover aligned with indexation
  • Complimentary Accidental Death cover after three years


Learn more

Apply now

  • Talk to a financial planner
  • Make an appointment for a complimentary, no-obligation meeting with a professional financial planner.
  • Call 13 10 56 from 8am to 8pm (EST), weekdays
  • Talk to your financial adviser

Related products

Injury Cash Protection

This simple life insurance product can help cover you and your family in the event of accidental total and permanent disablement and if you are confined to bed.

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Accident Protection

Accident Protection ensures your family, bills and debts are taken care of if you're involved in an accident that leaves you seriously injured, disabled or dead.

Learn more

Total and Permanent Disability

Provides a lump sum to use at your discretion if you're unable to work for at least three months due to illness or injury. Includes a range of benefits to help make life easier.

Learn more

Important information
Please refer to the relevant Product Disclosure Statement for full details of these benefits and when they are payable. This advice (including the statements on taxation which are based on present taxation laws, rulings and their interpretation) has been prepared without considering your objectives, financial situation or needs. Before acting on it, consider its appropriateness to your circumstances. You should seek advice from your taxation adviser in relation to taxation matters. Income Protection, Life, Business Overheads, Total and Permanent Disability (TPD) and Trauma form part of CommInsure Protection. CommInsure Protection is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 (CMLA). CMLA and the Trustee are wholly owned subsidiaries of Commonwealth Bank of Australia ABN 48 123 123 124. Commonwealth Bank of Australia does not guarantee the obligations or performance of CMLA or the Trustee or the products they offer. A Product Disclosure Statement (PDS) describing CommInsure Protection is available online, from your Commonwealth Financial Planner or by calling 13 10 56 (from overseas, call +61 13 10 56) and should be considered in making any decision about these products. Commonwealth Financial Planners are representatives or authorised representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169 AFSL 231139, a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.

CMLA has entered into a Joint Cooperation Agreement with AIA Australia Limited (AIA) and Commonwealth Bank of Australia (CBA) for the joint operation of the CMLA and AIA businesses. AIA is part of the AIA Group, the largest publicly listed life insurance group in the Asia Pacific region with a presence in 18 markets. Whilst CBA will remain the ultimate shareholder of CMLA, under the terms of the Joint Cooperation Agreement AIA will have an appropriate level of direct management and oversight of the CMLA business.

CMLA’s Privacy Policy

As part of operationalising the Joint Cooperation Agreement, CMLA has adopted the AIA Australia Group Privacy Policy.