Get Tradies Insurance on the Central Coast
Working as a tradesperson—whether you’re a chippy, builder, plumber or the owner of a trades business—can present unique hazards. Being around power tools, machinery and hazardous chemicals are part and parcel of the job; which is why it’s important to have protection if something should happen.
That’s why at Coast & Country Insurance Consultants, we connect clients with Tradies Insurance. Based in The Entrance, we service throughout the Central Coast and Australia wide. If you’d like to learn more about how we can assist, give us a call today on 02 4334 3622 today.
Tradies Insurance is available for PTY LTD companies, sole traders, builders, owner-builders, tradies, sub-contractors and trades business owners. Our dedicated team of brokers & advisors can speak with you to identify what you’d like to be covered for, depending on your line of work in the trades industry. We’ll provide you with professional advice to assist you in finding suitable insurance.
Here at Coast & Country Insurance Consultants, we can help find suitable insurance cover for any trade. This includes:
Both Public Liability Insurance and Product Liability Insurance are important for providing cover to tradies should something go wrong on the job. Public Liability Insurance mitigates the financial risk of third-party damage or injury happening while tradies are out on the job. On the other hand, Product Liability Insurance mitigates the risk of third-party injury or damage occurring as a result of the products that a tradie manufactures or supplies.
They are similar and are often included in the same insurance policy, but not always. Tradies should ensure they have both in place to protect them from any potential problems that may arise.
Depending on the policy you take out, typically your employees will be covered for certain events under Tradies Insurance. However, Tradies Insurance is different to a work cover policy which can cover employees when they are injured at work—it’s important to bear this in mind!
Typically when you take out Tradies Insurance policies, you’ll need to advise your insurer of your occupation, usual work activities and more in-depth information. This will enable them to assess your risk level and price the policy accordingly. Any work activities that are not disclosed to the insurer, usually won’t be covered under their policy.
There are significant differences between Public Liability and Products Liability Insurance. Public Liability Insurance typically provides cover for injury or property damage whilst you’re on the job. On the other hand, Products Liability Insurance provides cover against injury and damage caused as a result of the products you supply.
Typically the level of Public Liability Insurance you require will be dictated by the type of projects you are working on. When tendering for contracts, the issuer will often stipulate the minimum level required for the project. For construction projects the level of cover required can often be anywhere from $5m-$30m.