Tradesmen Business Insurance

Electricians who visit Queensland for jobs know that they must comply with Public Liability Insurance requirements specific to that state, and for plumbers travelling in and out of Victoria for work, it’s the same deal. read more

Modern day worksites usually insist that tradesmen have public liability insurance.  For most trades Public Liability is portable,  that is, it travels easily from state to state, however this is not the case for electricians.   read more

From the 4th of November, 2011 legislation was passed in Queensland for pool safety that requires home owners to have their pool and pool fence certified by a registered Pool Safety Inspector.   Rather than being a deadline, it was only the beginning of a safety expectation that is continuing to roll out, across the state both for those who have not yet had their pool certified and for new pool installations.  read more

It’s a tradies choice – do you pay for your annual public liability premium up front and in full or do you opt for monthly premium instalments?   read more

Last year, a 45 year old tradie had his work vehicle and tools stolen during a terrifying carjacking in Sydney’s inner west. read more

Tradies often don’t think twice about insuring their ute and tools, thinking how would they earn a living without them, but don’t give a second thought to the consequences of falling sick or having a debilitating accident. read more

For tradies there are generally three things that prevent them from working – getting sick, an injury and not having tools to do the job!  read more

So what is Public Liability. Firstly and perhaps most importantly, it's not to be confused with WorkCover. While you'll need WorkCover (Workers Compensation) for employees as well, Public Liability is the insurance tradies and subcontractors need to protect themselves financially against claims for damage caused by the tradie to someone else or someone else's property. And, in this day and age, most tradesmen won&'t be allowed on a jobsite without it.  read more

Unfortunately, it’s often too late when a tradesman finds out that he needs public liability insurance, and just as bad when he realises that he doesn’t have enough cover for the claims against him. Public Liability Insurance is often considered essential for work places – in fact, some tradesmen and subcontractors won’t be admitted to a work site unless they can show a certificate of currency that indicates the value for their public liability insurance policy. read more

Illness & Injury Insurance is the financial security you need to keep an income when you are unable to work due to either getting hurt or getting sick. Illness & Injury insurance is important for tradesmen and subcontractors, whether you are self-employed or employed by someone else, because it provides 24/7 financial protection against illness and injury.  read more