Canopy Insurance provides straightforward income protection designed to support you if you’re unable to work due to injury or illness. As part of this QLD Govt partnership, employees can access exclusive member rates and simple payroll deductions, making it easier to stay protected. Canopy is part of the WIP Group, a trusted Australian provider with a long history of working alongside employees, unions, and organisations to deliver tailored cover that’s easy to understand and manage.

(This is general information only. It doesn’t take into account your personal objectives, financial situation or needs. Please read the PDS and TMD to decide if this product is right for you.)

Welcome to Canopy Insurance — your income protection partner through QLD GOVT

⭐⭐⭐⭐⭐ “I switched from my super fund, saved over $1,000 and got better cover.” — Alex E, Paramedic

  • Canopy Insurance is part of the WIP Group — a trusted Australian provider with a strong history of working alongside superannuation funds, unions, and large organisations to deliver tailored protection for their members and employees. We’re proud to now extend this expertise and group purchasing power to individuals at QLD Govt, with access to our easy, live quote and buy platform.

    We understand the importance of protecting your lifestyle and financial wellbeing. That’s why we’ve developed the Lifestyle Assurance Package — a flexible income protection solution designed to suit modern needs. Our team works with both local and international insurance markets, giving us the ability to offer a wide range of options to help you find suitable cover at competitive rates.

    Our support doesn’t end when you take out a policy. In the event of an accident or illness, our experienced in-house claims team manages the process from start to finish, aiming to make your experience as smooth and stress-free as possible so you can focus on recovery.

    At Canopy, we believe financial security should be transparent, simple, and accessible — helping you protect your lifestyle and peace of mind with confidence.

  • Life doesn’t always go according to plan — and illness or injury can sometimes interrupt your ability to work and earn an income. The Lifestyle Assurance Package is designed to help you prepare for those unexpected moments by providing financial support if you’re unable to work due to injury or illness. It’s a simple and effective way to help protect your lifestyle, giving you greater confidence and peace of mind knowing there’s a safety net in place when you need it most.

  • The Lifestyle Assurance Package offers more than income protection — it includes a range of additional benefits designed to provide extra support and flexibility when you need it most. These built-in and optional benefits include:

    • Critical Sickness Cover

    • Death and Critical Injury Protection

    • Family Cover

    • Fractured Bones Support

    • HIV and Hepatitis Cover

    • Financial Planning Benefit

    • 24/7 Worldwide Coverage

    • Tailored Waiting Periods

    • Flexible Policy Options

    • Rehabilitation and Return-to-Work Assistance

    • Home and Vehicle Modification Benefit

    • Reimbursement of Professional and Membership Fees

    • Advanced Payment Benefits

    • Transport to and from Work Benefit

    • Escalation of Claim Benefit

    • Disappearance Cover

    • Exposure Cover

    These benefits are subject to policy terms, conditions and eligibility criteria. Please refer to the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for full details of what’s covered and to decide if this product is right for you.

  • QBuild employees can make premium payments easily through payroll deduction, helping to keep cover active without the need for manual payments or reminders. You can choose to have your premiums deducted fortnightly or monthly, depending on what best suits your pay cycle.

    This simple arrangement means your income protection cover is conveniently managed through your regular pay — making it easier to stay protected and in control.

  • In many cases, income protection insurance premiums are generally tax-deductible in Australia. This means you may be able to claim the cost of your premiums as a deduction at tax time, helping to make your cover more affordable.

    It’s important to seek personal advice from a qualified financial adviser or accountant to confirm whether you’re eligible to claim a deduction based on your individual circumstances. At Canopy, we’re here to help you understand your options and support you in protecting your financial wellbeing.

  • Our claims are managed by n2n Claims Solutions, a specialist division within the WIP Group dedicated to delivering a compassionate and efficient claims experience.

    From the moment a claim is lodged, the n2n team takes a human-centred approach — listening, guiding, and supporting you through every step of the process. They combine deep technical expertise with genuine empathy to help ease the financial and emotional pressure that can arise when illness or injury keeps you from working.

    At Canopy, we’re proud to partner with n2n Claims Solutions to ensure every claim is handled with care, integrity, and understanding — because real support means being there when it matters most.

  • Protecting your income is one of the most practical ways to help maintain financial stability and peace of mind — especially when unexpected events occur. Income protection insurance can provide financial support if you’re unable to work due to illness or injury, helping you focus on recovery rather than bills or expenses.

    Through the Lifestyle Assurance Package, QLD Govt employees can access simple, flexible cover designed to protect both income and lifestyle. Having this kind of protection in place means knowing that support is available when you need it most.

    We encourage you to learn more about how income protection can fit into your personal financial plan. Get a no-obligation quote today and take a confident step toward protecting your financial wellbeing.

Get More from Your Income Protection

Income protection insurance at group rates — now available for individuals.

Our Lifestyle Assurance Package is designed to help keep your income flowing if you’re unable to work due to illness or injury.

It’s simple:

  • You’re covered 24/7, anywhere in the world

  • Premiums are generally tax-deductible (check with your accountant)

  • Claims are managed by n2n Claims Solutions, specialists in compassionate, end-to-end claims management

Think of it as a safety net that can help replace your income if you can’t work due to illness or injury — giving you confidence and peace of mind when you need it most.

⭐⭐⭐⭐⭐ “Canopy Insurance has been fantastic. I’m saving money, getting better cover, and the tax benefits are a big plus. It really was a no-brainer to switch.” — Andrew P, Payroll Manager

Get an instant quote and be covered in just minutes

No lock-ins. 14-day cooling-off period. Cancel anytime — no questions asked.

Get covered today, review everything in your own time, and decide with confidence.

Or Book Your Consultation with an Expert Insurance Consultant

⭐⭐⭐⭐⭐

“I’ve always believed it’s better to have it and not need it, than need it and not have it — and that really proved true for me.

I first came across Canopy by scanning a QR code at work and requesting more information. I spoke with Michael, who was incredibly easy to talk to, and the whole process — from quote to setup — was quick and straightforward.

Within minutes of deciding to proceed, my cover was in place.

Only a few weeks later, I had an accident and broke my ankle.

From that point, the support I received was exceptional. Michael helped coordinate everything and connected me with the claims team straight away. I was then assigned Maureen as my case manager — she’s been amazing. Caring, responsive, and always on top of my situation as I’ve progressed through recovery.

I genuinely can’t speak highly enough of the Canopy team. You never know what’s around the corner, and I’m so glad I had this cover in place.” — Joanne M, Train Driver

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“I'm really happy with the cover. The team is organised, proactive, and genuinely focused on anticipating customer needs.” - Genevieve R, Train Driver

⭐⭐⭐⭐⭐

“As a self-employed paramedic, this policy fits my needs perfectly — which hasn’t always been the case with other providers.”- Roy V, Paramedic

⭐⭐⭐⭐⭐

“Great company, easy to deal with, and very friendly staff. I’d definitely recommend Canopy for income protection.” - Mark N, Train Guard

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.