Do you work on Construction sites? Private properties? Then contact us to discuss your insurance needs. We have affordable insurance solutions for all types of Trades including but not limited to Plumbers and Gasfitters, Carpenters, Air Conditioner Installation and Service, Electricians, Bricklayers, Waterproofers, Demolition (including asbestos removal) and Excavation, Scaffolders, Landscapers, Tilers and Welders.
Public Liability, General Property, Transit and Motor Vehicle Insurance are just some of the covers that most tradies should have to protect their business and assets.
All too often we hear of tradies that have failed to insure their tools of trade and materials. When theft occurs, they are left empty handed and unable to perform their job.
Secure your business! Contact us for an obligation free quote and let us tailor a comprehensive and affordable Business Insurance Package that suits your needs!
Common types of covers found under a Trade Insurance policy focuses on assets, revenue, liabilities, and personnel.
These include but are not limited to:
| Professional indemnity/ liability | Protects you from legal action taken against you if someone suffers a loss after following your professional advice or as a result of your receiving your service. |
| Property | Covers damage or loss to buildings, contents and stock caused by insured events and accidental damage |
| Public Liability | Covers your business for legal costs and compensation costs that you might have to pay if you are found liable to someone because you caused death or injury, loss or damage to their property, or economic loss due to your negligence |
| General Property | General Property provides worldwide coverage (unless otherwise noted) for tools and equipment, as well as the accidental loss and damage of any portable tools and equipment used in the course of your business |
| Product liability | Businesses that supply, deliver or sell goods, even in the form of services or repairs, may need cover against claims of goods causing damage, injury or death. Product liability cover protects you if any of these events happen to another person or business by the failure of a product you are selling |
| Theft and burglary | Theft insurance generally covers your business against loss or damage to your stock and contents if someone forces their way onto your premises, or uses deception to get in to your premises. It usually does not cover cash losses, which can be covered separately |
| Money | Covers your money for theft at the premises, in transit and at your private residence |
| Mandatory motor vehicle accident personal injuries insurance | Every state and territory requires mandatory motor vehicle accident personal injuries insurance for all company or business vehicles. |
| Commercial vehicle | Many different types of policies are available, so make sure you understand the options before making a decision. Consider the three most common options below:
· Comprehensive · Third party property damage · Third party, fire and theft |
| Tax audit insurance | Covers costs incurred by your accountant, or registered tax agent, when notified by the Australian Taxation Office to conduct an audit or investigation into your tax liability |
| Business interruption | Covers businesses that suffer a loss because they cannot trade for a period of time due to loss or damage from a weather event, flood, fire or other insured interruptions |
| Glass | Covers the replacement of external and internal glass, as well as specified glass items |
| Employee fraud or dishonesty | Covers against fraudulent or dishonest actions committed by employees that directly results in loss of money, negotiable instruments or goods |
| Workers’ Compensation | Workers’ Compensation insurance is compulsory in all states and territories for businesses with a certain number of employees. For more information contact us |
| Machinery/Equipment breakdown | Covers machinery and equipment used in your business. Some policies may also cover stock damages as a result of the breakdown |
| Goods in transit/property in transit insurance | Covers the loss of, or damage to, goods you buy, sell or use in your business when they are in transit by road, rail, air and sea. It also covers damage to property – such as tools and equipment – while in transit within a defined set of geographical limits |
| Computer and electronic equipment | Covers accidental damage or loss to computers and electronic equipment and data |