As a tradie, you may be called to work on projects of all different types.
If you work for yourself, it’s important that you take the time to protect your business from unexpected costs, such as legal claims against you for injury or property damage, and loss, theft, or accidental damage of business assets, such as your tools and equipment.
Tradies and contractors face a variety of risks and hazards – from stolen tools and equipment to property damage, and third-party injury onsite. Getting the right cover can help protect your business if things go wrong.
Whether you’re an electrician, plumber, carpenter, tiler or handyman, understanding and finding the right insurance can be confusing.
All Star Brokers can offer flexible tailored covers for your business.
What can it cover?
|Type Of Cover
|Public or products liability
|Provide coverage for your liability to pay compensation for third parties, including personal injury and property damage arising from your business activities. Coverage can also include the costs involved in defending a claim triggered by the policy. These types of policies are provided with exclusions, including injury to employees, damage or injury from registered vehicle and injury from materials such as asbestos and therefore it is important that you discuss your needs.
|Commercial motor vehicles
|Covers the motor vehicles you use to operate your business.
|Personal accident and illness
|Provides a weekly benefit in the event of certain injuries, accidents or illnesses.
|Cover for portable and valuable items such as mobile phones, laptop computers and tools of trade that you usually carry around with you in the course of your business. Cover is provided for accidental loss or damage to portable and valuable items worldwide. Cover limits up to $2,500 applies per item unless the item has been specified for a higher value.
|Goods in Transit
|Covers loss of, or damage caused to, goods you sell, buy or use in your business when they are in transit.
|Cover against claims for accidental damage or injury caused to an individual or their property because of your professional advice. It’s recommended for anyone who is providing professional services or advice in exchange for a fee.
This is a summary only, for the full details of what is and is not covered, please read your Product Disclosure Statement. A product disclosure statement (PDS) is available from us. You should consider the PDS in deciding whether to acquire, or continue to hold, business insurance.
For professional advice on Tradies Insurance placement solutions, please contact All Star Brokers.
Have a query?