As a tradie, you are exposed to a number of risks that are unique to the industry. This exposure may be caused not only by your own actions, but also by other parties. We offer a range of solutions tailored to your business.
Leasers, and in the case of owner-occupiers, lenders, generally require comprehensive property insurance. Remember as a tradie, you still need to arrange cover for plant and equipment, contents, or loss of earnings.
The ‘It-will-never-happen-to-me’ attitude of many tradies in Australia has often bought them unstuck. It is a sad fact that accidents happen - and can have devastating consequences for both workers and their families.
Getting the job done often requires the use of a car, truck or trailer – and sometimes more. So when you have multiple employees who are using these vehicles over a range of locations, the risk of damage increases.
When running a business or as a subcontractor, you may be liable for damages or injuries to another person or property. Remember there is always the likelihood of being sued for negligence and that could be costly.
Workers' compensation premiums can be one of the largest components of a tradie’s total insurance costs. There are also substantial penalties if employers fail to comply with legislated regulations.
