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8 months ago · by · 0 comments

Protecting Your Tools with General Property Cover

 

Protecting Your Tools with General Property Cover

A carpenter without tools is an office worker, a mechanic with tools is pushing it, a plumber without tools is up shit creek.

Most tradies cover their public liability insurance risk, a lot organise cover for their income in the event of injury, but too many overlook their tools. Sure, you can replace most for a few hundred dollars, but what if all of them were stolen or lost? What would you do if there was a fire on the site where you left your tools?

Is it worth insuring them or is the premium likely to be too high?

 

What is General Property Cover

Insurers offer Tools of Trade Insurance or what’s sometimes known as General Property Cover, for these events.

General Property cover is available for an extensive range of equipment including;

  • Tools of Trade
  • Light Machinery
  • Survey Equipment
  • Mobile Electronic
  • Mobile Medical Equipment
  • Photographic Equipment
  • Diagnostic and Measuring Equipment
  • Musical Instruments
  • Sports Equipment

 

General Property Cover is normally available for items you can carry or move away from your premise and items that are considered essential for your trade.

 

But it’s important to check that your policy will cover your risk, does it;

  • Cover for full theft in the open air?
  • Does it cover the full replacement value of your tools?
  • Accidental loss?
  • Accidental damage?
  • Loss in transit?
  • Overseas cover if you’re working away?
  • Does it have a suitable excess?
  • And at renewal does it include recent purchase and match the new values?

 

Let’s look at those risk in a little more detail

Cover for full theft in the open air* is if it’s stolen anywhere, this might mean on a worksite, off your trailer or at your home at night. Insurers will offer restricted versions of this cover, that may only cover them if you take them to your home or a lock premise at night.

 

Loss in transit is where it’s carried by a third party or may include theft from your ute on the way to or at a job or worksite.

 

Most general property policies will start with a $100 excess, but the higher the excess generally the lower the premium.

 

Insurers may offer general property cover as inclusion in a public liability policy, but often they won’t cover the full amount of you tools and maybe restricted to items where you can produce recent receipts.

 

Before buying a General Property Policy

Get multiple quotes – compare the market

Make a list and estimate the replacement value

Keep receipts in an electronic version for referring back to when necessary

Check the insurers’ exclusions to ensure your risks are covered

Consider the appropriate excess for your situation

Check the insurers claims rating

 

If you’re unsure, speak to a broker, who can more carefully consider your risk

 



Insure Tradies Team

Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.

insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service

 

 

 

 

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9 months ago · by · 0 comments

Heights, Still Tradies Biggest Threat

Working at Heights

Whether it’s a death, total and permanent disability, income protection, personal injury claim, worker to worker injury claim or third-party property claim, height is still a Tradies biggest threat.

Safety regulators Australia wide have warned and educated but tradies and workers are still being injured or killed and property is being damaged.

Not just in the construction

It’s not just in the construction industry, its cleaners, electrical workers, plumbing, gas fitting, glazing, tree felling, solar and insulation installation, pest control, handyman work, heating and cooling work and it most often on or in the roof.
Many claims are the result of working on roofs without effective control measure.

Before climbing

Before climbing on a roof;

  • Look at the age of the structure
  • Consider the condition of the structure
  • What type of material is it (Asbestos, fibro etc.)?
  • Where are the important services (power etc.)?
  • Consider environmental factors on the day (wind rain and electrical storms)
  • Angle and pitch of the roof.
  • The presence of moss, contamination and other external factors
  • Consider Ladder Safety procedures
  • Does it require perimeter guards or edge protection or harness protection?

Complacency at Heights

Complacency  is another threat to personnel working at heights, when workers are used to working at heights they often forget the basic, this can result in dropping of tools resulting in property damage or injury. When working at heights, it doesn’t hurt to ask “what if”

Get Appropriate Insurance Cover

Protect you and your workers income

Cover yourself as the self employed tradie with income protection insurance, cover your workers with your States appropriate workers compensation policy and insist that sub-contractors and workers have their income protection insurance.

Protect Property

Make sure you have public liability insurance cover, and that it does not exclude working at heights, and check the asbestos exclusions if the roof contains it.
Make sure your sub-contractors have their own cover and check with your broker to make sure that if they cause injury or property damage that your exposure will be covered.

 

Insure Tradies Team

Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.

insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service

 

 

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1 year ago · by · 0 comments

Teleco Installer Repairers Insurance

Public Liability Insurance quotes for Teleco Installer and Repairers

Public Liability Insurance quotes for Teleco Installer Repairers from $495 pa $5 Million Cover. $5 million, $10 million and $20 million dollars cover options. Australia wide coverage.



Teleco Installer Repairers Insurance

 

Public Liability Insurance quotes for Teleco Installer Repairers from $499 pa $5 Million Cover. $5 million, $10 million and $20 million dollars cover options. Australia wide coverage.

  • Same day Certificate of Currencies
  • Instalment payment options*
  • Free claim service
  • Complimentary phone risk assessments (If required)
  • $5 Million cover starting at $45 per month±
  • We use up to 12 Insurers  Δ
  • Most policies include product liability

Call us or complete the request above

Insurers used by Insure Tradies include

   

Our partners have consented to the use of these logos

As part of the Steadfast network we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.

* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover

Δ Not all insurers will offer quotes for all occupations

Insure Tradies Team

Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.

insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service

 

Our partners have consented to the use of these logos

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2 years ago · by · 0 comments

Are subcontractors covered in my Public Liability Policy

Many hands make light work and often as tradies you need the support of a subcontractor, however, if there is an injury or property damage by that subcontractor is it likely to be covered under your public liability policy?

Are subcontractors covered in my Public Liability Policy?

According to Steve Sloan from Insure 247, tradies need to be aware where there is a possible risk to the business in the event that the subcontractor does damage while working for you, your insurer may cover any claims to a third party, however, most will exclude any injury to the subcontractor. They may also increase the excess on any claim, so he explains “It is important to understand and check the endorsements on your policy or if you are unsure get your Broker to check”

Here is an example of a public liability policy extension from a leading insurer looking at subcontractors

91T Subcontractors Extension

The cover provided by the Public and Products Liability cover section of your policy is varied by the following endorsement:

We will cover;

Any subcontractor(s) but only for their liability for personal injury or property damage that is directly caused by their performance of the work for you and only to the extent that we would cover you under this cover section for your liability to that subcontractor(s) had it made a claim against you in respect of the circumstances giving rise to their liability;

However this is on the basis that:
(i)        the work performed by the subcontractor(s) is part or all of the work that you
have a contract to perform for some other party; and
(ii)       our liability shall not exceed the lesser of the minimum amount of liability
insurance cover required by the contract to perform the work and the Limit of
Liability shown in the schedule; and
(iii)      for avoidance of doubt, it is further provided that where a subcontractor(s)
makes a claim under this clause, the Employer’s Liability Exclusion shall apply
so that we will not pay for that subcontractor(s) liability for personal injury
to any person in the service of either:
(1)    you; or
(2)    that subcontractor(s).

Steve Sloan urges Tradies to ask their Insurer “What would happen if?”

  • Check

    Extentions

     or Exclusions relating to Subcontractors

  • Check the excess on a claim when a Subcontractor is involved

  • Check that your subcontractor has his own cover

  • Check he has worker compensation or income protection insurance

If you’re still unsure contact our team on 1 300 046 787

 

 

Steve is a licensed insurance broker and marketer. He is an internet insurance pioneer in Australia.

 

Insurance for Aussie Tradies

Insure Tradies Team

 

Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.

insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service

 

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2 years ago · by · 0 comments

Does Public Liability Cover Faulty Workmanship?

Does Public Liability Cover Faulty Workmanship?

Public liability insurance protects you and your business against the financial risk of being found liable for negligence. This may be for property damage or personal injury to a third party. However if that loss is the result of faulty workmanship it may result in your claim being declined.

Insurers Wording

One insurers wording excludes claims “for the cost of performing, completing, correcting or improving any work undertaken by You.”

Some insurers do offer Faulty Workmanship Insurance, and others also will allow you to add as an extra to your business insurance or public liability policy.

Still unsure, speak to a specialist, get them to review your potential risks and possible mitigation.

Call our team on 1300 046 787

Steve Sloan

CEO Insure 247
steve-sloan-insure247

Steve is a licensed insurance broker and marketer. He is an internet insurance pioneer in Australia.

 

Insurance for Aussie Tradies

Insure Tradies Team

Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.

insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433.

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2 years ago · by · 0 comments

Scaffolding Public Liability Insurance

Public Liability Insurance For Scaffolding Companies

Public Liability Insurance quotes for Scaffolding Contractors from $2500 pa $10 Million Cover.

  • Australia wide coverage
  • Instalment payment options*
  • Free claim service
  • Complimentary phone risk assessments (If required)
  • Same day Certificate of Currencies
  • $5 Million cover starting at $229 per month±
  • We use up to 9 Insurers  Δ
  • Most policies include product liability
  • $5 million, $10 million and $20 million dollars cover options

Call us or complete the request below

Call us 1300 046 787

Once completed the team will match you up with a range of leading Australian Insurers



Insurers used by Insure Tradies include

AIG insurance for tradies Allianz Tradies Insurance berkley_australiaBrooklyn tradies insurance Calibre Tradies Insurance CoversureCGU Logo_No Tag_RGB Chubb trade insurance      QBE_builders-insurancevero-builders  zurich-public-liability

Our partners have consented to the use of these logos

As part of the Steadfast network we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.

* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover

Δ Not all insurers will offer quotes for all occupations

Insurance for Aussie Tradies

Insure Tradies Team

Scaffolding Insurance

Public Liability Risk for Scaffolders

Overall the Public Liability risk for this occupation is high, although the risk at the premises is fairly limited for scaffold contractors, as there would be few visitors, unless there is a scaffold hire/rent operation on-site. The types of work conducted will affect various exposures. The main risk associated with work at the site/s includes: (a) The risks of materials falling from or being blown from height and cause injury to people or property; (b) Unauthorised access, attractive nuisance; (c) Performance of hot work, smoking; (d) Liability to sub-contractors, vicarious liability for sub-contractors; (e) Damage to customer and other third party property; (f) Business interruptions e.g. from interruption of gas, electricity or water supply; (g) Third party injuries from tools, equipment and materials; and (h) Frequent movement of cranes and material handling equipment and liability for accidents caused by such unregistered mobile machinery/equipment. Construction and other busy work sites present serious risks depending on the relationships between the insured and other tradesmen/contractors on-site. Good risk management of on-site risks is essential. Contract Works insurance will be required for large scale projects. If the insured lease out equipment/scaffold equipment such lease agreement should specify the adequate instruction for customers about how to use such equipment. Scaffolding construction industry is highly regulated. Equipment failure or malfunction could result in serious injury or death and therefore, strict compliance with manufacturer’s instruction is important. Any alteration or misuse of such equipment will increase the exposure. It is important for the underwriter/adviser to establish the details of all major contracts because of the variety of possible work/projects undertaken, as it will give some idea of the potential hazard and exposure.

 

 

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2 years ago · by · 0 comments

Public Liability Insurance For Fencers

Public Liability Insurance For Fencing Installers (Fencers)

 

Public Liability Insurance quotes for Fencing Installers from $495 pa $5 Million Cover. $5 million, $10 million and $20 million dollars cover options.

  • Australia wide coverage
  • Instalment payment options*
  • Free claim service
  • Complimentary phone risk assessments (If required)
  • Same day Certificate of Currencies
  • $5 Million cover starting at $49 per month±
  • We use up to 12 Insurers  Δ
  • Most policies include product liability

Call us or complete the request below

Call us 1300 046 787

Once completed the team will match you up with a range of leading Australian Insurers



Insurers used by Insure Tradies include

AIG insurance for tradies Allianz Tradies Insurance berkley_australiaBrooklyn tradies insurance Calibre Tradies Insurance CGU Logo_No Tag_RGB Chubb trade insurance   high-street-underwriting-agency  QBE_builders-insurancevero-builders  zurich-public-liability

Our partners have consented to the use of these logos

As part of the Steadfast network we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.

* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover

Δ Not all insurers will offer quotes for all occupations

Insurance for Aussie Tradies

Insure Tradies Team

slider3

Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.

insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service

Read more

2 years ago · by · 0 comments

Commercial Cleaners Public Liability Insurance

Commercial Cleaners Insurance

Commercial Cleaners Public Liability Insurance

Commercial Cleaners Public Liability Insurance from $545 pa $5 Million Cover. $5 million, $10 million and $20 million dollars cover options. Australia wide coverage.

  • Same day Certificate of Currencies
  • Instalment payment options*
  • Free claim service
  • Complimentary phone risk assessments (If required)
  • $5 Million cover starting at $49 per month±
  • We use up to 12 Insurers  Δ
  • Most policies include product liability
  • Some insurers will offer cover for shopping centres and supermarkets

Call us or complete the request below

Call us 1300 046 787

Once completed the team will match you up with a range of leading Australian Insurers


Insurers used by Insure Tradies include

AIG insurance for tradies Allianz Tradies Insurance berkley_australiaBrooklyn tradies insurance Calibre Tradies Insurance CoversureCGU Logo_No Tag_RGB Chubb trade insurance    QBE_builders-insurancevero-builders  zurich-public-liability

Our partners have consented to the use of these logos

As part of the Steadfast network we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.

* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover

Δ Not all insurers will offer quotes for all occupations

Insurance for Aussie Tradies

Insure Tradies Team

 

 

Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.

insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service

Read more

2 years ago · by · 0 comments

Public Liability for Builders

Public Liability for Builders

Public Liability for Builders from $556 pa $5 Million Cover. $5 million, $10 million and $20 million dollars cover options. Australia wide coverage.

  • Same day Certificate of Currencies
  • Instalment payment options*
  • Free claim service
  • Complimentary phone risk assessments (If required)
  • $5 Million cover starting at $49 per month±
  • We use up to 12 Insurers  Δ
  • Most policies include product liability
  • Some insurers will include cover for sub-contractors

Call us or complete the request below

Call us 1300 046 787

Once completed the team will match you up with a range of leading Australian Insurers



AIG insurance for tradies Allianz Tradies Insurance Brooklyn tradies insurance Calibre Tradies Insurance CGU Logo_No Tag_RGB Chubb trade insurance   Mecon Builders Insurance QBE_builders-insurancevero-builders  zurich-public-liability

Our partners have consented to the use of these logos

As part of the Steadfast network we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.

Insurance for Aussie Tradies

* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover

Δ Not all insurers will offer quotes for all occupations

Insure Tradies Team

 

 

Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.

insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service

Read more

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