So you’re a jack of all trades? You can lend your hand to most jobs; hanging doors, refurbishments, leaky taps, painting, gardening, cleaning, gutters, patching, carpentry. There’s not much you don’t do.
But with this multi-faceted skill set comes the inherent risk that something could go wrong at any time, through no fault of your own. We all make mistakes, too, but what happens when something does go wrong?
Depending on the extent of damage or injury in question, it might be something you can sort out with minimal time and effort. On the other hand, it could be catastrophic. Unfortunately, you can’t stop someone from suing you, and there’s no limit on how much they can sue you for.
That tap you fixed stopped leaking, but then started again, and while the owner was on holidays, caused considerable water damage to their cabinetry, flooring and subfloor.
This is where you need Public and Products Liability Insurance. It responds to defend you in the event that you’re accused of causing property damage or personal injury to someone while doing your job. The leaky tap is just one example, and a reasonable one at that. Personal injury claims can last for years and pay out into the millions in damages.
Trading without Public and Products Liability Insurance could cost you everything — protect yourself today with a Go Get Handyman Insurance policy.
With this variety of tasks, you might find yourself up a ladder one moment and under a house the next. What happens if you become injured or fall ill, and can’t work for an extended period?
Injury & Illness insurance is the answer. It subsidises up to 75% of your lost wages, after a two week waiting period, so you can keep the wolves away from the door, and get back on your feet.
You might have a lot of power tools, hand tools, stock and accessories. Due to the number of things you do, you need them! But ask yourself, what if they were all stolen, damaged by fire, flood, or in transit; could you still trade?
One of the occurrences could leave a serious dent in your hip pocket. Go Get Tools insurance could be the perfect protection that you need.
Go Get Injury & Illness Insurance is Annually Renewable and factors General Advice only. A Guaranteed Renewable policy, which can provide a benefit period up to age 65 (which does impact on the premium), requires personal advice taking your individual circumstances into account. Should you wish to consider the greater level of protection and flexibility that a Guaranteed Renewable policy provides, click here.
Depending on your Business structure and location, you might require Workers Compensation Insurance if you’re a Company, Working Director, or have deemed Employees. Please check your State Government requirements to ascertain this information.
Please read the PDS for full details on policy coverage, conditions and exclusions to ensure a full understanding of the product you are purchasing.