If you can even GET income protection insurance, I'd like to know with whom.
Know what the tax ramifications are.
Do you qualify as a contractor? There are 4 basic tests the ATO will apply if you are ever audited.
1. Do you contract for a result? Have something on paper.
2. Do you supply your own tools?. Helmet and maps.
3. Are you liable for rectification of mistakes?Insurance.
4.Is less than 80% of your income from one 'client'?
Rob R had one of the insurance company guys talk at and R-22 safety course at Caloundra earlier in the year about some products they have. Just forget who.
Good luck.
Last edited by Lowlevldevl; 10th Nov 2005 at 14:41.