Insurance for Tradesmen

Insurance for Tradesmen

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Why do Tradesmen need it?

Whether you’re a sparkie, a chippy or a jack-of-all-trades, you know the amount of hard-yacka that goes into a day at the office! So when it comes down to the nuts and bolts of getting your business insurance sorted out, you can sit back and relax while the BizCover team drill down to the basics to help you compare and find the most competitive deal.

Did you Know?

Your exposure is not your job fee or annual turnover. A relatively small and quick job can result in many thousands of dollars damage.

Insurance for Tradesmen

Public Liability*

Don’t get stuck between a wall and hard place by not having Public Liability insurance. It’s a crucial form of cover to protect you and your business against claims arising from third party property damage and accidental injury (not covered by the ACC).

Even if you’re the best in business, accidents can and do happen – it could be knocking down the wrong wall or accidentally damaging an expensive piece of artwork. So don’t be a tool and get yourself the right cover for when things go a little haywire.

If you’re working as a contractor or are a member of a trade association, make sure you check to see if there’s a minimum level of cover required.

Business Insurance*

Your tools are essential to your business and the very reason why you nail those jobs! Chances are you have a few in the toolbox too, and when you do the math, they would be worth a fair few bob.

Thankfully, Portable Equipment cover will ensure peace of mind by ensuring you won’t be left out of pocket if they are lost, damaged or stolen.

Protect your business today.

Tradesmen covers a broad range of professions.

  • Carpenters & Woodworkers
  • Garden & Lawn Maintenance
  • Electricians
  • Painters
  • Handymen
  • Bricklayers
  • Plumbers
  • Tilers
  • Concreters

Claim examples

A landscaper working at a private residence needed to hire a small item of plant to complete the job. Whilst operating the machinery he accidentally lost control and damaged the side of his client’s house. Fortunately, the landscaper had Public Liability cover and his insurer quickly agreed that the third-party property damage arose out of the operation of the insured’s business activity and settled with the homeowner’s own insurer within a week. Importantly though, the insured has continued to do business for that customer.

* * As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

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Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 

 

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