Income Protection for Casual Workers
Review 10+ income protection policies that cover part-time employees and casual workers.

Income protection companies are generally building their products for people who work a traditional full time gig. Which is fine, except there are more people than ever working casual and part time gigs, thanks to capitalism mostly. Especially for young peoplel.
So, if you want income protection as a casual or part time worker, you're going to need to jump some extra hurdles. Here are 3 common rules:
Most policies will require you to work 20 hours a week to qualify for cover.
Some policies will require you to wotk a minimum of 48 hours per year.
Some policies will enforce a stricter age limit e.g. 18-59.
You'll notice on the table below that most insurance companies won't cover workers with less than 20 hours a week regularly employment. Despite that, there are some other options available from select insurers. If you work less than 20 hours per week, you may be able to get cover under "homemaker" income protection policies, but should make sure that working on a casual basis does not disqualify you from "homemaker" status with a certain policy.
The exact ways that each company change over time, so you may need to speak to a broker if you don't neatly fit into the box the companies have built. BEcause of course you don't!
Provider | Required employment status | Minimum hours* | Apply |
---|---|---|---|
Permanent part time | 20 hours | ||
Permanent and part time | 20 hours | ||
Permanent and part time | 20 hours | ||
Permanent and part time | 20 hours | ||
![]() | Permanent and part time | 20 hours | |
Permanent and part time or technically casual | 20 hours | ||
![]() | Permanent part time | 20-25 hours | |
![]() | Permanent and part time | 20 hours | |
![]() | Permanent and part time | 20 hours | |
![]() | Permanent and part time | Not Stated | |
![]() | Permanent and part time | 20 hours |
*Can vary depending on the type of occupation. Always consult the Product disclosure statement (PDS) if you are unsure.
Depending on your job, your income protection insurance will have different benefits and requirements. Insurance providers categorise occupations based on risk level and it's important to know which category your job falls into. Some occupations such as farming are also susceptible to unpredictable income fluctuations, and you should ensure that you have good income protection insurance to help cover these unexpected shortfalls. Learn more about income protection insurance to make sure you have the best cover for your job.
Stay-at-home parents or 'homemakers' can also claim income protection. A growing number of insurers in Australia are recognising homemakers as eligible recipients for income protection benefit payments. Insurers recognise the financial strain of losing a homemaker as it often results in needing to pay for the services of a professional worker to carry out day-to-day tasks. For single parents, injury or illness can mean that they can’t care for their children.
Tip: If you want to compare policies side-by-side, simply click the 'Compare' tickbox. Then select 'Get a quote' to get started.
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Income protection can be super valuable for when times get tough. Learn the basics with our beginners guide.
You can get income protection insurance if you’re over 50. Find out more here.
How much could you save if you lived in a different city in Australia? Let's find out.
Income protection for couples ensures your partner isn't hurt financially if you are temporarily unable to work due to illness or injury.
Income protection for sole traders provides financial support, via a monthly payment, if you’re unable to work due to illness or injury.
Most providers no longer offer unemployment insurance in Australia if you're made redundant.
NobleOak has been offering personal insurance solutions direct to Australians for over 137 years. Discover the benefits and features available on the NobleOak Income Protection policy and make a secure enquiry for cover.
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Interested in receiving a quote for BT Income Protection Insurance? Find out what is covered under each of the policies and make a secure enquiry for cover.
Looking for the best income protection insurance but not exactly sure where to start? Compare the Finder Awards 2023 insurance winners.