Your New Income Protection Starts Here

Tailored cover for self-employed electricians — with no gap in protection as you move from your current Income Protection Policy

NESS Super is closing its Self-Employed Income Protection cover — but your protection doesn’t have to end.
Canopy Insurance offers a seamless switch with exclusive benefits just for NESS Super members.

Why Canopy is the right fit …

  • ✓ Up to 100% of your income for the first 6 weeks (approved claims)
    Then 85% or 75% ongoing, depending on the option you choose at sign-up.

    ✓ Designed to help with everyday costs
    Like rent/mortgage, bills, groceries, business overheads and family expenses.

    ✓ Choose the cover level that fits
    Pick the option that suits your budget and what you want covered.

  • ✓ Keep it simple: premiums may be tax-deductible
    If you’re self-employed, you may be able to claim them — ask your accountant.

    ✓ Protect your income without overcomplicating it
    Choose cover that fits your budget.

  • ✓ Pay monthly or annually
    Choose what suits your cashflow.

    ✓ Annual option available
    One payment once a year (and may cost less overall).

  • ✓ Get a quote online in minutes
    Answer a few straightforward questions.

    ✓ No paperwork
    Apply and buy from your phone or computer.

    ✓ Do it whenever it suits
    At home, on-site, or between jobs.

  • ✓ Claims support that’s clear and human
    If you need to claim, our in-house team guides you through the process.

    ✓ No call centres
    Straight answers and regular updates.

    ✓ Support when you’re off work
    So you can focus on getting back on your feet.

  • Every self-employed electrician’s situation is different — that’s why Canopy lets you customise your cover to suit your needs, income, and budget.

    You choose:

    • Your waiting period – how long before payments begin (e.g. 14, 21, 28 or 60 days)

    • Your benefit amount – how much of your income you want covered

    • Your benefit period – how long payments will continue (e.g. up to 104 weeks)

    Whether you want maximum peace of mind or a more budget-friendly option, the power’s in your hands.

    You’re in control — build the policy that’s right for you.

Already Covered by an Income Protection policy?

If you're moving from an existing Income Protection policy to Canopy Insurance, you're eligible for Continuous Cover Terms — meaning you can switch without starting from scratch.

As long as your policy was active and continuous up until the date you take out your new Canopy policy, we'll recognise that existing cover and apply special conditions that work in your favour.

What’s Included Under Continuous Cover Terms?

  • The time you’ve already spent insured counts. You won’t have to wait all over again before you can claim.

  • You don’t need to complete new health checks or medical underwriting — your current health status won’t disqualify you.

    • If you’ve had continuous cover for 12 months or more, pre-existing conditions from your previous policy may be accepted under your new Canopy policy.

  • If your old policy would have paid a claim, we will too — even if your condition started before joining Canopy.

  • If your old policy had a more favourable pre-existing clause than ours, we’ll use that to assess your claim.

  • To keep things fair and aligned with policy rules, we’ll apply the lower benefit amount between your previous policy and your new Canopy policy.

Get an instant quote and be covered in just minutes

Or Book Your Consultation with an Expert Insurance Consultant

Key Benefits

  • If injury or illness prevents you from working, Income Protection helps replace part of your income.

    • 100% of your nominated income for the first 6 weeks
    • Then 75% or 85% ongoing, depending on the option you choose
    • Payments can continue for up to 52 or 104 weeks

    This support helps you cover everyday living expenses while you recover.

  • You’re covered 24 hours a day, 7 days a week, worldwide.

    Cover applies whether you’re at work, at home, travelling, or overseas.

    This means you’re protected wherever life takes you.

  • Our Income Protection cover can be tailored to suit your needs and budget.

    You can choose:

    • How much of your income is covered (up to 100% for the first 6 weeks, then 75% or 85% ongoing)

    • How long benefits are paid (52 or 104 weeks)

    • How long you wait before payments start (14, 28, 60 or 90 days)

    This flexibility allows you to balance coverage, affordability and peace of mind.

  • Optional lump sum support if you’re diagnosed with a defined critical illness.

    • Choose cover amounts from $0 up to $50,000

    The lump sum can help cover medical costs, lifestyle changes, or other financial needs during recovery.

  • Optional lump sum cover in the event of accidental death or critical injury.

    • Choose cover amounts from $0 up to $100,000

    The benefit can be used to help support you or your family with expenses and financial obligations.

Built-in Additional Benefits

  • Support for your household if your spouse/partner or dependent child is diagnosed with a defined sickness.

    • Covers reasonable domestic help costs (e.g. cleaning, meals, childcare)
    • Up to $300 per week for up to 26 weeks

    This helps reduce day-to-day pressures while your family focuses on recovery.

  • Access to professional financial planning support following an approved claim.

    • Available for certain claims lasting over 26 weeks
    • Provides up to $3,500 in assistance

    This support helps you make informed financial decisions during recovery.

  • Additional support if you suffer a fracture.

    This benefit helps with recovery-related costs and supports your return to normal daily activities.

  • Support for approved rehabilitation, retraining, or return-to-work programs.

    • Covers eligible expenses up to $5,000

    This benefit helps you safely transition back into the workforce.

  • Financial support to modify your home or vehicle following a defined injury.

    • Covers items such as ramps, rails, or vehicle modifications
    • Provides up to $10,000

    Designed to help you live more safely and independently during recovery.

  • Reimbursement of professional or membership fees linked to your employment.

    • Available following an accepted claim
    • Up to $250 per membership

    Helps you maintain professional affiliations during recovery.

  • Early access to benefits following an eligible claim.

    • Advance payment of up to 13 weeks of benefits
    • Requires medical evidence of a claim expected to last at least 26 weeks

    This helps ease immediate financial pressure.

  • Assistance with transport costs following an accepted claim.

    • Reimburses reasonable transport expenses where you’re unable to drive or use public transport

    Helps you continue commuting safely during recovery.

  • Your weekly benefit increases over time if your claim continues.

    • After 12 months, benefits increase by 5%

    Helps your payments keep pace with rising living costs.

  • If an accidental disappearance occurs and the insured is not found within 12 months, the policy treats this as an accidental death.

    The accidental death benefit is then paid to nominated beneficiaries.

  • Cover for injuries caused by exposure to environmental or weather conditions during the period of insurance.

    This ensures protection for defined exposure-related events.

  • Cover if HIV, Hepatitis B or Hepatitis C is contracted due to:

    • A violent physical attack, or
    • Medical treatment for an injury or sickness

    Provides protection in specific, defined circumstances.