Yes – you’ll often be given a choice as to the waiting period before you’re able to make a claim. Carefully consider how long your company could operate if you were suddenly incapacitated and unable to work, and base your waiting period around this figure. For example, if you’re running a business on the Gold Coast focused on tourism, you may decide that you can wait a month before claiming under this insurance if your injury happens in the off-season when tourist numbers are low anyway.