June 6, 2017
Tradies have a physically demanding job, more so than most. It stands to reason that the exposures tradies face, from an insurance point of view, can be greater than other occupations, too.
When it comes to researching and buying tradies insurance policies, there’s the tough task of wading through all of the information before making a decision.
While that’s an important part of the process that shouldn’t be skipped, it’s certainly time consuming.
In this article, we’ve provided an overview of 3 basic covers to get you started. There’s certainly more to consider, but this will start you in the right direction.
This policy is of utmost importance. Tradies should have this in place, at a minimum, before commencing work.
If a third party claims you’ve damaged their property or caused them injury during the course of your work, this policy will respond to protect you, subject to the relevant policy conditions.
It’s important to remember why this policy is so important. You don’t have to do anything wrong with your work for a claim to occur. A third party simply has to claim your negligence has led to property damage or bodily injury.
Another important type of tradies insurance is Injury and Illness cover.
This type of policy provides protection in the event that you’re injured or ill and can’t work for an extended period.
It can pay out a nominated weekly benefit amount, for up to two years, until you can return to work.
A vital element of any tradies business is their tools. So it makes sense to protect them.
These policies generally offer excellent coverage for fire, theft (from locked premises), flood and transit accidents.
At GoGet Insurance, we offer all 3 of these covers via our easy-to-use online system. While there are further considerations when it comes to tradies insurance, these 3 provide a solid base for any tradie.
Simply start our two-step quote process above to get an obligation-free quotation today.
You should consider if the insurance is suitable for you and read the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and policy wording before making a decision to acquire insurance. Please ask us for more details before we provide you with our services. Our FSG is available on our website.