WHY DO TRADESPEOPLE NEED COVER
There’s nothing riskier than a tradie without the right insurances in place. With Cursio Group you can get multiple quotes from leading insurers and we’ll guide you to work out what covers you need so you can stay on site and be sure you’re protected should something go wrong.
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INSURANCE FOR TRADESPEOPLE MELBOURNE
You might have the gift of the gab but try getting yourself out of a situation where someone has been hurt or their property was damaged. Consider the impact of someone tripping on your cabling, or your materials falling on another contractor. Even worse, something which you have worked on collapsing and damaging someone’s property.
Public liability insurance will protect you and your business from claims made against you when unfortunate accidents happen. If you are working on small renovations it may not be requested by the client, but that doesn’t mean being covered is not important. Everyone working in construction should have some public liability insurance. On larger sites you probably won’t even be allowed to enter unless you can provide a certificate of currency of your insurance.
Insurance for your tools
Do you have an exact inventory of your tools and receipts handy? Time and time again tradies come to us wondering how they forgot to cover their tools of trade. You should take photos of all your tools and keep all your receipts handy so that when a theft happens, the claim is easy to prove.
If you are self employed and you get injured your income stops. That means you mortgage, bills and vehicle leases get paid by whatever saving you have available. You need to make sure you protect your income with a proper income protection policy tailored for tradies. Our financial advisors at Cursio Group can sort you out with a policy to cover 75% of your income plus super from an insurer who understands your field of work.
If you are investigated by the ATO you will need to provide them with your books ready to go. If you don’t have tax audit cover, you’ll need to find some quick cash to pay your accountant to get your audit ready. This is an expense you can handball to your insurer if they come knocking on your door.
Tradesman insurance covers a broad range of trades, including:
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The truth about online insurance websites and direct sales
When you buy insurance directly from an insurer online, or from a comparison site which sells but doesn’t service you in the event of a claim, you are effectively flying solo. This means that if a potential claim arises you need to argue your case to be paid without professional help on your side. It’s a bit like fronting up to a court hearing without your lawyer. The chance of winning would be quite low.
If you are wondering why sometimes you can find really cheap insurance policies online, you should firstly read the fine print and secondly understand the probability of a claim being paid. They say about 40% less claims get paid in the direct market vs the broker market because brokers ‘know what they are doing’.