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What is plasterers insurance? 

Plasterers’ insurance (the many types of cover made for plasterers) helps protect your business finances from the cost of everyday risks, such as accidental property damage, broken equipment, and injuries on-site. 

No two days are the same in the plastering business. And just like any trades it comes with its own risks, like accidentally damaging a customer’s floor with spilt plaster to your tools being stolen from your locked work van. 

If paying to fix these and other events would dry up your bank accounts, then you may want to consider business insurance. 

what is plasterer insurance

Why do plasterers need Insurance? 

Plasterers may need business insurance to meet contractual obligations and protect from the legal cost of a claim 

Enter a jobsite

Work as a contractor or subcontractor

Replace damaged or stolen equipment

Replace lost income while recovering from an injury

Who needs plasterer business insurance?

BizCover insures many types of plastering businesses!

Plasterers

Decorative Plasterers

Contract Plasterers

Plaster Ceiling Services

Fibrous Plaster Fixing Services

What types of insurance do plasterers need? 

We offer a range of policies designed to cover your business, tools, and stock. Build an insurance package that suits your needs and buy in minutes. 

Portable Equipment

Covers you for loss and damage to your tools and stock due to theft, fire and other perils listed in the wording.

Tool cover

Public Liability

Covers compensation costs and legal fees if you negligently cause injury to a member of the public or damage to property.

Public Liability insurance

Contents Insurance

Covers loss or damage to business items at the insured location, such as equipment, stock, machinery, and furniture

Contents coverage

Personal Accident & Illness

Covers individuals for loss of income if unable to work as a result of an injury or illness in or outside of work. Limits apply.

Personal Accident insurance

Statutory Liability Insurance

Covers costs, fines and penalties as a result of unintentional breaches of key legislation in the operation of your business.

Statutory coverage

How much does plasterers’ insurance cost? 

The average cost of business insurance for plasterers is $83 per month with BizCover. 
However, the cost of your policies will depend on different factors, such as the value of your tools, and the size of your business.

Plasterer insurance cost

Factors influencing cost

Risks of the industry 

Cover level amount

Annual turnover

Number of employees

Claims history

*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.

Get cover that works with the risks of your business

Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.

Cover levels to choose from

  • $5M
  • $20M

Cover levels to choose from

  • $500 weekly benefit (accident only)
  • $4K weekly benefit

Underinsurance

We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.

Ways underinsurance catches business owners out:

Inflation

With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.

Not covering the full cost of your risks

If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.

Plasterer insurance cost

Factors influencing cost

Risk of the industry

Cover level amount

Annual turnover

Number of employees

Claims history

*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.

Get cover that works with the risks of your business

Select different cover amounts for each policy listed below. This is the most you will be paid out if you need to make a claim. 

Cover levels to choose from

  • $5M
  • $20M

Cover levels to choose from

  • $500 weekly benefit (accident only)
  • $4K weekly benefit

Unsure how much to choose? Think about:

Statutory professional requirements

Cover required by contracts

Number of employees being covered

Your contract value

Worst case scenario claim size

Underinsurance

We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.

Ways underinsurance catches business owners out:

Inflation

With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.

Not covering the full cost of your risks

If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.

Let’s cover your small business on the go

Start a quote to see how much you can save and buy online in minutes.

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See how much others have saved while purchasing policy through BizCover

Colette

Disability Care Worker from

NSW

Saved

$1,200

on

Public Liability and Professional Indemnity insurance

Disability care worker
Andrea

Beautician from

VIC

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$1,500

on

Business insurance Pack and,
Public Liability and Professional Indemnity insurance

Andrea, Beautician saved $1,500 on Professional Indemnity, Public Liability and Business Insurance
Deborah

Cleaner from

VIC

Saved

$3,600

on

Public Liability insurance

Cleaner from VIC saved on Business Insurance with BizCover
Lance

Electrician from

ACT

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$800

on

Public Liability insurance

Electrician saved $800 on Public Liability insurance
Stephen

IT Professional from

VIC

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$1,500

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Information Technology Liability insurance

IT Professional saved on IT Liability with BizCover
Linda

Restaurant owner from

NSW

Saved

$1,000

on

Business Insurance Pack and
Public Liability insurance

Restaurant owner saved in Business Insurance with BizCover

Frequently asked questions

Plasterers may need Public Liability insurance to enter a jobsite or work as a contractor or subcontractor for another trades business. This requirement, including minimum cover amounts, will typically be written into a job contract.

Public Liability insurance is designed to provide protection for you and your plastering business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.  

Portable Equipment cover provides protection for your valuable business assets against accidental loss or damage, as well as theft from a locked vehicle – anywhere in Australia. Portable Equipment insurance is an optional cover available through a Business Insurance Package.

Since your job relies on you to be fit and healthy to work, it’s a good idea to insure it. Personal Accident and Illness insurance can provide levels of cover for loss of income, permanent disablement or even death if you are unable to work as a result of an injury or illness (even if it occurs outside of your employment).

Hear from our customers

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Feefo

Awesome and saved me $100 a month

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Every staff member I spoke to was than happy to help me through all of my questions. Great service! Won me over from a competing company.

James O

Quick and easy. Took the hassle out of shopping around and comparing.

Adam T

So easy to renew – takes the hassle out of organising insurance.

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