Specialist Financial Protection for those You Love

Specialist Financial Protection for those You Love

We're the experts helping Australians living with complex health conditions, hard-to-insure occupations or using assisted reproductive strategies, to get their life insurances sorted

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Welcome to Unusual Risks Insured

We exist to close the protection gap and make Life Insurances available to more people,
especially those who were previously excluded.

$ 67003000

Amount of Speciality Life Insurance in place

for people living with HIV, Diabetes, & other hard-to-insure health conditions

$ 9205000

Amount of Speciality Income Protection in place

bringing certainty, stability and equality to people's lives

Take Our Anonymous
Online Pre‑assessment

Find out in 60 seconds if your personal situation
is one we can work with

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Sharps injury insurance

  • Sharpes Insurances for Medical Professionals

    Caring for caring professionals. 

    Blood Borne Disease Insurance compensates you if you contract HIV, hepatitis B or hepatitis C due to a sharps injury while working in your regular occupation

    Hospitals, surgeries, clinics and accident sites are often high-pressure, fast-paced environments where sharps injuries to medical professionals occur all too frequently.

    • A needlestick or sharps injury (NSI) can also have a devastating impact on your long-term income earning capacity

    White-collar professionals are often highly paid and highly leveraged, so they need a comprehensive insurance strategy to safeguard what they have worked hard to achieve.

    Accidents do happen

    Watch Donald's real-life story below of how a trauma nurse experienced an accidental needle stick injury.

    Do you have your own Blood Borne Disease insurance in place?

    Often the main reason medical professionals don't have the appropriate insurance in place is due to its complexity. It also takes time and expertise to understand how a bloodborne disease (BBD) can have a devastating effect on both your health and your ability to continue to earn an income.

    • Remember that each professional association and governing body may have additional reporting and special requirements that have to be followed after suffering a sharps injury (or blood spatter event) that can have wide-ranging effects on your career.

    We understand the needs of medical professionals and can help you protect yourself, your family and even your business partners from the financial consequences of work-related injury.

    The Unusual Risks Insured solution for busy and remote professionals

    unUsual Risks Insured have flexible face to face, phone to phone or online only solutions to meet these challenges and to provide absolute confidentiality when needed too.

    • This also means we can work easily with remote clients in different time zones.

    Australian nurses and healthcare workers suffer an estimated 18,000 needlestick injuries a year*

    *Cathryn L. Murphy, RN, PhD, CICP, CIC Improved surveillance and mandated use of sharp with engineering sharp injury protection: A national call to action. Healthcare Infection 2008.

    Blood borne disease insurance cover can provide lump-sum cover between $50,000 and $1 million for medical professionals (dentists, doctors, nurses and paramedics) and for people working in some other at-risk occupations (such as police and pathologists) if they contract HIV, hepatitis B or hepatitis C due to an accident while working in their usual occupation.

    This type of cover can be put in place alongside a typical life insurance policy and covers Bone Dust and Blood Splatter events.

    Read our case study about Needle Stick Injuries Naomi, nursing, needlestick and sharps injuries.

    Real Life Statistics

    • In Australia, approximately 30 needlestick injuries per 100 beds occur per year.
    • At least 18,000 healthcare professionals suffer from an NSI every year.
    • And 80% of reported NSI's involve a contaminated needle. The Alliance for Sharps Safety and Needlestick Prevention in Healthcare

    Managing the emotional risks

    Occupationally contracting HIV or hepatitis B or hepatitis C can cause emotional significant distress and career consequences that, in turn, can create financial anxieties for you and for those who depend on you.

    • Such stresses may have a real impact on your ability to keep working in order to provide for your family and/or run your business.

    Confidentiality concerns may further complicate the issue while professional body memberships and requirements may trigger consequences not previously envisaged.

    Managing the financial risks

    For medical professionals, a work-related injury could mean a long illness and or particular restrictions on the types of duties you can continue to perform at work. Some specialists can even be prevented from working in their chosen field.

    • All of these events can have devastating effects on your personal financial situation that could rapidly turn a comfortable financial position into a desperate one.

    We have a powerful supportive option to this problem

    Where to Now?
    Continue your journey…

     

Individual Case Studies

images/case-studies-faces/case-study-Simon-and-Jordan-close-mates-who-PrEP-unusual-risks-insured.jpg#joomlaImage://local-images/case-studies-faces/case-study-Simon-and-Jordan-close-mates-who-PrEP-unusual-risks-insured.jpg?width=400&height=400

Meet Simon & Jordan

Close mates who use PrEP

images/case-studies-faces/case-study-lisas-partner-diabetes-unusual-risks-insured.jpg#joomlaImage://local-images/case-studies-faces/case-study-lisas-partner-diabetes-unusual-risks-insured.jpg?width=400&height=400

Meet Lisa

She's a procurement manager for a busy national corporate and there's nothing she can't find when she puts her mind to it

images/case-studies-faces/case-study-terry-family-tatoos-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-terry-family-tatoos-unusual-risks-inusured.jpg?width=400&height=400

Meet Terry, his young family & tattoos

The Unexpected things of life, tattoos & travel and saving for a home deposit.

images/case-studies-faces/case-study-ramesh-positive-energetic-and-living-with-a-kidney-transplant-unusual-risks-insured.jpg#joomlaImage://local-images/case-studies-faces/case-study-ramesh-positive-energetic-and-living-with-a-kidney-transplant-unusual-risks-insured.jpg?width=400&height=400

Meet Ramesh, positive, energetic & living with a kidney transplant

Accident Only Insurance options

images/case-studies-faces/case-study-chris-and-mirko-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-chris-and-mirko-unusual-risks-inusured.jpg?width=400&height=400

Meet Chris & Mirko

- growing their family through Co-parenting

images/case-studies-faces/case-study-Ethan-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-Ethan-unusual-risks-inusured.jpg?width=400&height=400

Meet Ethan, single sensible & dating

;)

images/case-studies-faces/case-study-George-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-George-unusual-risks-inusured.jpg?width=400&height=400

Meet George

- an experienced logistics manager

images/case-studies-faces/case-study-jennifer-and-amber-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-jennifer-and-amber-unusual-risks-inusured.jpg?width=400&height=400

Meet Jennifer & Amber

- climbed the corporate ladder in a busy city law firm

images/case-studies-faces/case-study-john-and-david-family-tatoos-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-john-and-david-family-tatoos-unusual-risks-inusured.jpg?width=400&height=400

Meet John & David new home buyers

- and living with HIV

images/case-studies-faces/case-study-Naomi-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-Naomi-unusual-risks-inusured.jpg?width=400&height=400

Meet Naomi

- nurse, single and super mum

images/case-studies-faces/case-study-ricki-and-devesh-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-ricki-and-devesh-unusual-risks-inusured.jpg?width=400&height=400

Meet Rick & Devesh

- new Dads-to-Be through Surrogacy & IVF

images/case-studies-faces/case-study-tina-and-garry-unusual-risks-inusured.jpg#joomlaImage://local-images/case-studies-faces/case-study-tina-and-garry-unusual-risks-inusured.jpg?width=400&height=400

Meet Tina & Garry, a serodiscordant couple

- and proud new parents of a baby boy

Our Specialty Services Include

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Whoever you Love, however you Identify, regardless of any Gender you may (or may not) identify with, everyone is Welcome Here!

Watch our Fun Explainer Videos

Explainer Video Dave life of the party - Unusual Risks Insured

Dave | Life of the Party

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Explainer Video George, how much insurance is enough - Unusual Risks Insured

George| Experienced Logistics Manager

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Explainer Video Modern Families - Unusual Risks Insured

Modern Family Insurances

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Explainer Video Naomi, needlestick insurance - Unusual Risks Insured

Naomi | Nursing, needlestick & sharps injuries

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About Us

Unusual Risks Insured provides support to those people who big insurance companies leave behind. We believe in giving every person the power to use life insurance products to protect & provide for their loved ones, their businesses, and their legacy — free from barriers of stigma and discrimination.

We know, as an LGBTQIA+ person (or someone who goes without labels entirely), you probably have specific financial advice, life insurance, and privacy needs.

  • We're committed to serving the LGBTQIA+ Community and its Allies.
  • For us, it's about change leadership and #AdviceEquality.

Why not make us part of your story, so if the unexpected happens to you or whoever is family to you, you'll have a backup plan in place to help you financially recover and life can still get better for somebody you love.

#LoveTakesAction  #AdviceEquality  #PrideInAdvice

contact drew browne advisor Unusual Risks Insured and Sapience Financial

Drew Browne, Senior Advisor

Contact Us

Working Online & serving Australia Wide
from George St Sydney, NSW, Australia.
[ Gadigal Land ] & [ Darug Country ]

Say Hello! unusualrisks.com.au

Phone: 1300 137 403
Send a Message here

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Everyone is Welcome Here!
#AdviceEquality

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