Tradie insurance- how to get a quote quicker than a smoko

Finding spare time in the day can often feel like an impossibility when you run your own tradie business. Between working on jobs, ordering supplies, and balancing the books, things can quickly get away from you! Luckily one thing that doesn’t need to be time consuming or confusing is getting a quote for your tradie business insurance. 

This quick guide is here to assist you through the process with tips on how to save some time along the way.

Risky business 

The first step before you start doing your quote is to try and identify the types of risks your tradie business may be exposed to. Being aware of these risks can then help to narrow down the type of business insurance coverages that may be appropriate to protect your business.  

For example, if you own your business premises, you may consider looking at Building and Contents insurance* to protect your physical business building and assets from threats like fire and theft. 

Finding your cover 

Once you establish the kind of risks your tradie business may be exposed to, you can then have a look at some of the different types of business insurances to protect your tradie business.  

Every tradie business is unique, and the type of cover your mate may have for their tradie business might not be the right fit for your business. Paying attention to the types of features and what you are actually being covered for can help you for the long run. 

This is a quick overview of some of the types of cover you might consider for your tradie business: 

  • Public Liability insurance* 
  • Tool and Portable Equipment cover* 
  • Business Pack* 
  • Cyber Liability insurance* 

To find out more information about the different types of business insurance, this guide has an overview of some of the common types of business insurances and may be helpful when trying to figure out what kind of cover you may need to take out. 

When you are doing your quote, you may be asked some details about the kind of cover you are taking out. These questions may be things like: 

  • The amount of cover 
  • Your excess 
  • Any extensions if applicable 
  • Payment option of monthly or yearly 

If you are unsure about your policy, have a chat with your insurance specialist to help you out with your cover.  

Have some info about your business ready 

To help speed up the quote process, it helps to have some details about your business on hand. Different types of insurances will ask different questions about your business, but here are some of the basics that might be helpful: 

  • The annual turnover of your business 
  • The type of activities your business performs 
  • How many employees you have (if applicable) 
  • Claims history- if you have made a claim in the past you may be required to provide details 
  • If you’re insuring your business building you may need to provide details like the year it was built, the materials it was constructed with, security details etc 
  • For policies covering your contents and specified items you may need to provide details like the cost of the items, details like materials, limits to insure them for 

If you already have a business insurance policy in place, it might be helpful to have this with you to include some of the information for your new quote. It’s also an opportunity to review your policy and see if there have been any changes to your business since you last took out your cover. 

Getting your quote sorted 

Now that you have a bit of an understanding of what you may require for your tradie business insurance quote it’s time to make it happen! At BizCover, we offer cover like no other, making the process quick and easy. We don’t believe in filling out mountains of paperwork or trying to translate insurance lingo.  

Our online platform is there to make getting your insurance simple, just enter your business details, compare policies from reputable NZ insurers, and make your selection. Your policy details and certificate of currency are emailed straight to your inbox, so you can have peace of mind knowing that your cover is place. 

If you prefer to have a chat to one of our business insurance specialist, they are waiting for your call and happy to answer any queries you may have about your cover.  

Visit us online for a quote today, or you can reach us at 0800 249 268. 

 *This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. © 2023 BizCover Limited.

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