If you’re a tradesman or contractor working in any of the professions listed below, you’re exposed to greater risks than many business operators:
- Plumbers
- Builders
- Bricklayers
- Painters
- Handyman
- Cleaners
- Electricians
- Lawn & Garden Maintenance
- Signwriters
- Concreters
By sub-contracting, or running your own businesses, your financial and legal exposure can be very high.
Public Liability insurance takes away some of that financial risk by covering costs due to action being brought against you for property damage, or personal injury, caused by your actions.
General Property cover, or tools insurance, covers you for accidental loss or damage to your tools. As you depend on your tools to earn a living, it’s critical to know that you have protection in place.
Tools cover can start from as low as $250 a year. A small price to pay to insure your most valuable assets.
Personal Accident Cover
Personal Accident cover pays you a monthly benefit if you’re unable to work due to injury or illness. Without this cover, if you’re involved in an accident or fall ill for a long period of time, your income will cease until you are back at work.
This cover is highly important for you as a tradesman if you’re not covered under Workers’ Compensation.
Vehicle Cover
As a tradesman, cover for your vehicle, van or ute is essential. While most insurers provide standard motor insurance for tradesmen, having benefits such as hire car after an accident is imperative to ensure you’re not left stranded and out of pocket.
Your cover should also allow for a replacement vehicle while your vehicle is off the road. Other benefits include sign writing and cover for additional accessories or the cost to refit your ute or van.
Flexible Payment Options
Flexible payment arrangements are available for all these lines of insurance. These include premium funding to pay by the month (extra charges applicable) and 30 day credit terms, allowing you to free up your income to concentrate on your business.
For more information about our range of flexible and affordable insurance options for tradesmen, get in touch or fill in our quick and simple quote form.
