Tailored Insurance Solutions for Tradespeople

Business package insurance is designed to shield businesses from various risks and disruptions. Here’s what is typically included and excluded in these policies:

Common Inclusions:

• Theft, Fire, and Vandalism: Protects against specific criminal acts and damage detailed within your policy.
• Business Interruption: Covers lost income during business disruptions caused by insured events.
• Property Damage: Handles repair or replacement costs for business property damaged by covered incidents.
• General Liability Insurance: Safeguards against claims of personal and advertising injuries, or property damage caused by your business activities.
• Public Liability Insurance: Covers injuries or damages to third-party visitors, distinct from general liability which also includes employee-related incidents.

Common Exclusions:

• Worker’s Compensation: Requires a separate policy.
• Auto Accidents: Covered under commercial auto insurance, not included here.
• Intentional Acts and Fraud: Excludes losses from fraudulent or intentional misconduct.
• Customer’s Belongings: Typically not covered unless specifically included.
• Acts of War and Some Natural Disasters: Generally excluded, requiring additional coverage.

Professional Indemnity insurance provides cover for:

• Protection against claims: Professional Indemnity insurance provides financial protection in the event of a claim against you. This can include claims related to professional negligence, errors or omissions, or breach of professional duty.
• Legal costs: In the event of a claim, legal costs can quickly add up. Professional Indemnity insurance can cover these costs, including lawyer fees and court costs.
• Reputation management: Some Professional Indemnity insurance policies include cover for public relations expenses. This can help restore a company’s reputation in the event of a claim.
• Peace of mind: Having Professional Indemnity insurance can give you peace of mind, knowing that you are protected in the event of a claim. This can help you focus on your work and grow your business.

Commercial Vehicle insurance provides cover for:

• Protection for your work vehicle: If you rely on your vehicle to transport tools and equipment to and from job sites, commercial vehicle insurance provides coverage for damages to your vehicle, theft, and third-party liability in case of an accident.
• Coverage for tools and equipment: A comprehensive Commercial Vehicle insurance policy can also include coverage for your tools and equipment, protecting you from theft, fire damage, or damage caused in a vehicle collision or rollover.
• Financial protection against liability claims: In the course of your work, you may accidentally cause property damage or bodily injury to a third party. Commercial Vehicle insurance can help cover the costs of legal fees, settlements, or judgments resulting from these liability claims.
• Peace of mind and business continuity: Having the right insurance coverage in place ensures that you can continue working and serving your clients even in the face of unexpected events or accidents. It provides peace of mind knowing that you are protected financially and can recover from potential losses.
• Compliance with legal requirements: In some states or territories in Australia, it is mandatory for businesses to have Commercial Vehicle insurance. By having the appropriate insurance coverage, you can avoid potential legal issues and penalties.

Business Package insurance is designed to shield businesses from various risks and disruptions. Here’s what is typically included and excluded in these policies:

Common Inclusions:

• Theft, fire, and vandalism: Protects against specific criminal acts and damage detailed within your policy.
• Business interruption: Covers lost income during business disruptions caused by insured events.
• Property damage: Handles repair or replacement costs for business property damaged by covered incidents.
• General Liability insurance: Safeguards against claims of personal and advertising injuries, or property damage caused by your business activities.
• Public Liability insurance: Covers injuries or damages to third-party visitors, distinct from general liability, which also includes employee-related incidents.

Common Exclusions:

Worker’s Compensation: Requires a separate policy.

• Auto Accidents: Covered under commercial auto insurance, not included here.
• Intentional Acts and Fraud: Excludes losses from fraudulent or intentional misconduct.
• Customer’s Belongings: Typically not covered unless specifically included.
• Acts of War and Some Natural Disasters: Generally excluded, requiring additional coverage.

Personal Accident & Illness insurance provides cover for:

• Financial support: Personal Accident & Illness insurance steps in to provide financial help if you’re hit with an unexpected injury. It can offer a steady stream of income or a lump sum payment, ensuring you can manage your bills and living costs even when you’re out of action.
• Medical expenses: Let’s face it, accidents can come with hefty medical bills. This type of insurance can help cover those expenses, from hospital stays to rehab costs, ensuring you get the care you need without the financial headache.
• Family security: If you’ve got people depending on you, this is a big one. Personal Accident & Illness insurance ensures that your family’s financial well-being is taken care of if an accident leaves you unable to work. It’s all about making sure your loved ones are okay, no matter what.
• Peace of mind: Knowing you’ve got a financial safety net can take a load off your mind. With Personal Accident & Illness insurance, you can focus on getting back on your feet without the added stress of money worries. It’s about making sure that an accident doesn’t derail your life or your finances.

Professional Indemnity insurance provides cover for:

• Protection against claims: Professional Indemnity insurance provides financial protection in the event of a claim against you. This can include claims related to professional negligence, errors or omissions, or breach of professional duty.
• Legal costs: In the event of a claim, legal costs can quickly add up. Professional Indemnity insurance can cover these costs, including lawyer fees and court costs.
• Reputation management: Some Professional Indemnity insurance policies include cover for public relations expenses. This can help restore a company’s reputation in the event of a claim.
• Peace of mind: Having Professional Indemnity insurance can give you peace of mind, knowing that you are protected in the event of a claim. This can help you focus on your work and grow your business.

A well-built Contract Works insurance cover gives you more than just policy paperwork. We’ve got your back when the unexpected hits.

Policy inclusions can include:

• Loss or damage to the work in progress
• Theft, fire, storm or malicious damage
• Injury or property damage to third parties
• Transit of materials and equipment
• Optional product liability insurance
• Subcontractor and labourer cover
• Delays, personal injury, or site shutdowns
• Optional Professional Indemnity insurance and Public Liability insurance

Need help understanding your product disclosure statement? We’ll explain it in plain English.

From remote locations to high-pressure deadlines, mining work doesn’t leave much room for error. We help you line up insurance that’s built for the demands of site life, heavy machinery, and complex contracts.

Your policy can include:

• Damage to plant, equipment or infrastructure
• Theft, fire, or extreme weather impacts
• Third-party injuries or property claims
• Transit cover for materials and machinery
• Delays, site shutdowns or personal injury
• Protection for subcontractors, labour hire and machinery operators
• Optional cover for Public Liability, Professional Indemnity and contract exposure

Need clarity on the fine print? We’ll go through it with you so there’s no confusion; just mining contractor insurance cover that holds up when you need it most.