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4 years ago · by · 0 comments

Make sure you have the right cover for your trade

Tradies Insurance

 Make sure you have the right cover for your trade

A 5 point check for your tradies insurance

Every trade has risks specific to that trade. As a Tradie it is important to understand and reduce those risks, this may be as easy as putting up warning signs and insuring that you have the correct insurance cover. This is especially relative when it comes to your public liability insurance.

But before placing that cover you must look to see if there are occupation exclusions and endorsements that may exclude your potential claims, for instance, most lawn mowing & gardening policies will exclude tree lopping, for some concreter’s some insurers will exclude work on council footpath,  and window cleaning may have a height limit.

Some policy will extend cover to your sub-contractors, with others they will increase the excess with claims involving your sub-contractors others will specifically exclude your sub-contractors.

Some insurers will target occupations with reduced premiums and extra trade-related included inclusions, like a motor trade extension for mechanics.

Some insurers base 50% of their insurance premium on the claims history of the occupation covered.  So that could mean that the more expensive premium doesn’t mean a better level of cover.

Insurers are changing the way they accept claims with many now offering Online lodgements, others simply require an email with the details of the claim

  1. Check trade related exclusions

  2. Check you sub-contractors inclusion/exclusions

  3. Compare insurers cover

  4. Check your current premium

  5. Know how to claim

 

If you are still unsure, speak to a specialist, get them to review your potential risks and possible mitigation.

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

 

Insure Tradies Team

Make sure you have the right cover for your trade

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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5 years ago · by · 0 comments

Can Tradies Get Income Protection Insurance?

Income Protection Insurance for Tradesman

Tradies need to protect their income as well as there tools, but many tradies are self-employed, If I’m self-employed can I get Income Protection Insurance?

If I’m self-employed can I get Income Protection Insurance?

Most insurers offer self-employed clients an income offering that would help if something happened to you and you were unable to work. When calculating your income protection needs you should consider the number of months you could survive without an income before selling off assets or making drastic lifestyle changes. If you are unsure speak with an adviser.

What if I have just started?

Some insurers will offer you a “newly self-employed clause” which means in the event of a claim they will aggregate your income and pro-rata that against your projected income and that will be the monthly benefit.

When starting you can choose an Agreed Value option where your monthly benefit is agreed with you at the time of application and is based on your income at that time. Or Indemnity Value where your monthly benefit is calculated at the time of your claim and is based on your income at that time.

How much cover can you get?

Income protection cover is normally 75% of gross distributable income from the business before tax.

Is proof of income required to claim?

Depending on the insurer and the length of time you have been self-employed most insurers will not ask for proof of income up to $3000 in monthly cover.

Are Income Protection Insurance premiums tax deductible?

As a self-employed person, your premiums will be tax deductible, and may also be covered in your superannuation, speak to an adviser that can look at the option that suits your needs.

If your business is dependent on your to operate you may also need to consider Business Interruption cover as well. This cover helps with keeping your business running without you

Need to talk to a licensed Life Insurance Adviser?

talktotheteam

Source Quotesonline.com.au

Insurance for Aussie Tradies

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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5 years ago · by · 0 comments

What should welders consider when getting public liability?

Welders public liability what is a hot work exclusion

welders-insurance

Some policies will have a hot work exclusion that may leave you exposed

If you do hot work like flame cutting, flame heating, arc or gas welding, metal grinding or any similar operation in which welding, metal grinding or cutting equipment is used, except where such use is carried out in strict compliance with all relevant statutes and Australian Standards 1674.1 and 1674.2 (or any subsequent amendments), resulting claims may be excluded.

To help get an Welders public liability quote we will need to know:

  • Do you perform any welding on site?
  • If so, do you use any specialised equipment?
  • How many years experience do you have?

We can also offer tools of trade and income protection quotes.

If you are still unsure speak to a broker call 1300 046 787

Or complete the form below and the team will send you quotes from insurers that offer welders insurance


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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5 years ago · by · 0 comments

Concreters Save $5000

Concreters insurance

Concreters Save $5000

A large Sydney based Concrete contractor with 29 staff, had been with their broker for 15 years, their annual premium was just over $11,000.

Insure Tradies use was able to find 4 insurers with premiums with the same cover for below $5000.

Is the cost of staying with your broker costing you $5000 a year more than it should?

Talk to the Tradies Experts 1300 046 787

Insurance for Aussie Tradies

Insure Tradies Team

Carpenter Insurance

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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