NO WORK = NO PAY. THIS COVERS YOU.
Income Protection
for
Self-Employed Electricians & Electrical Subcontractors
Protect up to $5,000 per week if you can’t work due to illness or injury
GET A FREE QUOTE
Fill in your details below, and we'll show you cover options tailored to your income.
5-Star Google Rating
Awarded ‘Best Income Protection Insurance Provider 2026’ by APAC INSIDER
Backed by
NO WORK = NO PAY.
THIS COVERS YOU.
Income Protection for Self-Employed Electricians & Electrical Subcontractors
Protect up to $5,000 per week if you can’t work due to illness or injury
SAVE 10% ON YOUR FIRST YEAR.
OFFER ENDS 31 MAY 2026.
Income Protection Built for Electricians
14‑day cooling‑off period
If you change your mind, you can cancel within 14 days of your cover starting, subject to policy terms
Flexible cover options
You can tailor your cover to suit your income, budget, and how long you want to wait before payments start
24/7 worldwide coverage
You’re covered 24/7, whether you’re on-site, at home, travelling, or overseas, subject to policy terms
Income support while you recover
If injury or illness stops you working, this cover can help replace part of your income while you recover
*Subject to policy terms and limits.
You’re in good hands with Canopy Insurance
Here’s what customers say.
GOOGLE REVIEWS 5.0 STAR
How it Works
Get a quote (fast)
Fill in the form on this page and we’ll show you cover options based on your income.
Book a no pressure quick call
Speak with one of our insurance consultants to understand income protection, the cover options available, and your next steps.
Get covered and protect your income
If injury or illness stops you working, protect your income while you recover. Up to 100% of your nominated income for the first 6 weeks, then 75% or 85% ongoing, for up to 2 years (option dependent).
Coverage Details
Disclaimer: Pricing varies depending on the options selected. Premiums are indicative only.
Weekly Income Benefit Options
Cover amount (weekly) | Indicative premium (weekly)* | Indicative premium (monthly)* |
$2,000 / week | $17.09 / week | $74.04 / month |
$3,000 / week | $24.63 / week | $106.73 / month |
$4,000 / week | $32.17 / week | $139.42 / month |
Up to $5,000 / week | (available) | (available) |
*Indicative example for a 35-year-old electrician (includes 10% discount). Premiums vary based on personal circumstances, state of residence, stamp duty, and selected cover options.
Benefit Structure
Benefit Structure | Details |
Initial benefit | Up to 100% of nominated income for the first 6 weeks |
Ongoing benefit | Then 75% or 85% ongoing (option dependent) |
Policy Options
Policy Options | Available selections |
Waiting period | 14 / 28 / 60 / 90 days |
Benefit period | 1 year or 2 years |
About Canopy Insurance
About Canopy Insurance
Canopy Insurance is part of the WIP Group, a provider with experience delivering income protection solutions for large organisations across Australia, including superannuation funds, unions, and major employers. We’ve taken what works at scale and made it accessible to individuals with clear, flexible cover, an instant online quote in minutes, and the option to speak with a real person if you’d like additional support.
Policies are underwritten by certain underwriters at Lloyd’s, so you can feel confident your cover is genuine, secure, and supported.
Canopy Insurance Pty Ltd is a Corporate Authorised Representative (CAR 1301345) of Windsor Income Protection Pty Ltd (ACN 147905888 ABN 56104714171 AFSL 400598)
Canopy Insurance is part of the WIP Group, a provider with experience delivering income protection solutions for large organisations across Australia, including superannuation funds, unions, and major employers. We’ve taken what works at scale and made it accessible to individuals with clear, flexible cover, an instant online quote in minutes, and the option to speak with a real person if you’d like additional support.
Policies are backed by Lloyd’s of London, so you can feel confident your cover is genuine, secure, and supported.
Canopy Insurance Pty Ltd is a Corporate Authorised Representative (CAR 1301345) of Windsor Income Protection Pty Ltd (ACN 147905888 ABN 56104714171 AFSL 400598)
FAQs
What is income protection?
Income protection helps replace part of your income if injury or illness prevents you from working. It provides financial support while you recover.
Are medical examinations required?
No. Applying is straightforward and doesn’t involve medical tests or examinations.
How is my income calculated?
Income is based on your average weekly pre-tax earnings over the 12 months before you became disabled (or a shorter period if you’ve been in your role less than 12 months).
If employed, it may include regular wages/salary and overtime/allowances that form part of your normal pay (typically excludes bonuses/commissions and reimbursement allowances).
What if I have a work-related injury?
If you’re entitled to Workers’ Compensation and those payments are lower than your nominated weekly income, Canopy Insurance income protection may top up the difference up to your nominated weekly benefit.
Can I adjust or cancel my cover?
Yes. You can update your cover if your circumstances change. You can also cancel at any time via your online account or by contacting the team. If you cancel your policy, you won’t be covered for events that occur after that change.
Are premiums tax-deductible?
In many cases, income protection premiums are tax-deductible. Tax treatment depends on your circumstances, so it’s best to check with a tax professional.
What is income protection?
Income protection can help replace part of your income if illness or injury prevents you from working, so you have support while you recover.
Do I need medical examinations to apply?
No. Applying is straightforward and typically doesn’t involve medical tests or examinations.
What if I’m self-employed or a contractor?
Many working Australians can apply, including self-employed people and contractors, as long as they meet the eligibility criteria in the PDS.
What if my injury is work-related?
If you’re entitled to Workers’ Compensation and those payments are less than your nominated weekly income, income protection may top up the difference up to your nominated weekly benefits.
How is my income worked out?
Income is based on your average weekly pre-tax earnings over the 12 months before you became disabled. If you’re employed, it may include regular wages/salary plus overtime or allowances that form part of your normal pay.
Can I change or cancel my cover later?
Yes. You can update your cover if your circumstances change, and you can cancel at any time via your online account or by contacting the team. If you cancel, you won’t be covered for events that happen after that change.
Are premiums tax-deductible?
In many cases, income protection premiums may be tax-deductible. Tax treatment depends on your situation, so it’s best to check with a tax professional.
Canopy Insurance is part of the WIP Group, a provider with experience delivering income protection solutions for large organisations across Australia, including superannuation funds, unions, and major employers. We’ve taken what works at scale and made it accessible to individuals with clear, flexible cover, an instant online quote in minutes, and the option to speak with a real person if you’d like additional support.
Policies are underwritten by certain underwriters at Lloyd’s, so you can feel confident your cover is genuine, secure, and supported.
Canopy Insurance Pty Ltd is a Corporate Authorised Representative (CAR 1301345) of Windsor Income Protection Pty Ltd (ACN 147905888 ABN 56104714171 AFSL 400598)
Phone: 1300 001 134
Email: info@canopyinsurance.com.au
*Indicative only. Premiums vary by age, occupation, income, state, waiting period, benefit period and options selected. Offer terms apply. T&Cs, limits and exclusions apply.