Asteron business expenses insurance

Asteron Lifeguard® is our market-leading and flagship insurance product suite.

Asteron Lifeguard business expenses insurance provides you with affordable and comprehensive cover, with lots of features and benefits that give you more at claim time.

  • Market-leading 10 Hours definition.
  • We pay up to 100% of your allowable business expenses – so you aren’t left short at claim time.
  • Locum cover to insure the cost of employing a replacement.
  • No offset of profits – we won’t reduce your benefit payment regardless of whether your business is making a profit.
  • Partial payments for when you are partially disabled and your income is reduced.
  • Support when you need it most – access support services like rehabilitation, retraining and return to work and grief counselling.
  • Cover when and where you need it – 24 hour worldwide cover.

No paperwork required for the first two months

Asteron Lifeguard business expenses insurance pays you the first two months of your benefit, without any receipts. You can focus on what’s most important – you and your family – without worrying about claims paperwork.

The Asteron 10 Hours difference

Asteron Lifeguard business expenses insurance lets you work (if you can) up to 10 hours per week and we won’t reduce your benefit payment – even if you earn income in those 10 hours.

We think it’s a great way for business owners to keep an eye on things. It also helps people who are off work to slowly transition back to normality. We’re not an insurer who wants to penalise you for living your life.

View or download the Asteron Lifeguard® PDS

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This is general advice and has been prepared without taking account of your objectives, financial situation or needs. Therefore, in deciding whether to acquire or continue to hold this financial product, you should consider the appropriateness of the advice by having regard to your own personal objectives, financial situation and needs. Please consider the Product Disclosure Statement (PDS). Contact us for a copy.

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Asteron is a specialist life insurance company in Australia committed to the long-term financial security of its customers. Asteron provides insurance products and services including income protection, trauma (recovery) insurance, total & permanent disablement, life (death) insurance and business expenses. Asteron is committed to helping customers get – and stay – healthy for life, by giving customers access to a health & wellbeing program - Asteron Life!