Tradies have unique risks compared to retail or office businesses. Protect yourself from the unexpected whether you’re on the road, or at the job-site with trades insurance.
What is Trades Insurance?
Trades insurance (also known as tradies insurance) is ideal for contractors who have tools or equipment and travel for work.
Working with other tradies, other people’s property and dangerous materials or tools means trades are risky. Tools are often stolen, job sites are often dangerous, and accidents can cause damage to client’s property.
Trades work is one of the highest risk occupations in Australia. Trades insurance can help replace your tools and cover legal costs if you’re ever sued by a client or a contractor. It can also pay your bills if you have a serious accident or illness.
Your ability to travel from site to site is also key for you to earn income. Trades insurance can keep you on the road in the event your ute or vehicle is stolen, being repaired or written off.
What can be covered
What may not be
How can we help?
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Trades claim example
Ralph lays plumbing works for domestic homes in the course of construction.
At completion, an unexplained leak causes extensive damage to installed cabinetry and carpets, and is traced back to an incorrect fitting Ralph installed.
All the resulting costs to the carpets and cabinetry as well as the exploratory costs and any other claims against Ralph for his fault are covered by his general liability cover. The only thing Ralph is out of pocket for is his excess, and the cost of redoing his original faulty work (e.g. the incorrect fitting).
Consolidated Insurance Brokers can help by placing you with the best policy for your needs. We'll find you the most competitive rate possible, and offer advice to ensure your insurance protects what matters.
As brokers, it's our job to give advice. We always aim to deliver great, not just 'good', advice.
We manage your insurances so you don't have to — save precious time and effort.
Your renewals, quotes and policies will be delivered in clear, easy English — no more confusion.
With a broker, you get more comprehensive cover and benefits not available if buying directly.
Frequently Asked Questions
There are many benefits of using a broker over buying directly from the insurer. Insurance brokers:
- Work on your behalf to secure you better protection through their negotiating power
- Help you understand your risks and empower you to make better life / business decisions
- Ensure insurers are held accountable to their promise to protect what you value during claims
- Save you time and money by taking care of comparing and customising policies for your needs
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