Public Liability Insurance In Construction

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Insurance for Sole Traders and Self Employed

... of cover most sole traders and those who are self employed need to consider is Public Liability insurance. Public Liability insurance* is designed to provide protection for you and your business in the event a customer ...

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Insurance for Tradesmen

... a pile of rubble, you're not going to be able to talk your way out of a Public Liability claim. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or ...

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Public Liability Insurance In Brisbane

... industries, on the other hand, may demand public liability insurance as a condition of their licence. This is a common requirement in construction industries like builders and electricians. Furthermore, some landlords ...

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Public Liability Insurance In Port Macquarie

... 6% of the working population, followed by Construction which employs 10.6% of the working population ... for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for ...

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Public Liability Insurance In Mandurah

... 18. The main employing industry in Mandurah is Construction, employing 12.1% of the working population ... for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for ...

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Public Liability Insurance In Darwin

... 3% of the population, and closely followed by Construction, an industry which employs 9.8% of ... for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for ...

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Public Liability Insurance In Rockhampton

... industry by number of registered businesses is Construction, with 843 businesses registered. This is ... a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for ...

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Public Liability Insurance In Brisbane

... 21,077 registered businesses, followed by Construction, with 16,136 businesses, followed by ... for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. ...

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Legal Requirement for Public Liability Insurance

... . Particularly with businesses that interact with public space (construction, parks etc.), or welcome visitors and sub-contractors should check to see whether there is public liability insurance is in place first. In the ...

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Insurance for Plasterers

... in the policy wording. Insurance for Plasterers Public Liability Insurance* Protecting your business with Public Liability insurance is a concrete decision. Public Liability insurance is designed to provide protection ...

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Insurance for Land Surveyors

... , certifying plans to providing advice on construction and issuing building permits. P roviding ... are covered by the policy. Public Liability Insurance* Public Liability insurance is designed to provide protection for ...

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Insurance for Civil Engineers

... insurance? The role of a civil engineer involves a great deal of responsibility, from planning and designing, to overseeing the construction ... are covered by the policy. Public Liability Insurance Whether you work on-site ...

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Insurance for Engineers

... costs and expert fees). Public Liability Insurance* Do you need Public Liability insurance? The short answer is ... with a construction company for the provision of a survey for a inner city hotel construction project. ...

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Business Insurance

... may be a requirement, for example: You may need to have your own Public Liability insurance sorted before you step onto a construction site If you work on contracts you may be required to have a minimum level of ...

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Insurance for Project Managers

... claims which are covered by your policy. Public Liability Insurance* Whether you work from an office or you're out and about onsite, Public Liability insurance is important to your project management business. It ...

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Business Insurance in Townsville

... Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. In addition, cover is available for public liability ... is Construction, with ...

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Role of a Civil Engineer

... strong teamwork skills. Civil Engineers should also consider their insurance options , including Professional Indemnity Insurance . Construction Technology in Civil Engineering Civil engineering has been around for ...

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What is Civil Engineering

... impact of construction or infrastructure projects and sharing findings with the public or project ... BIM, and cloud computing. Civil Engineers should also consider insurance cover options , including Professional Indemnity ...

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What is the Job of a Land Surveyor?

... is arguably one of the most important within the construction and development world. Surveyors are used for multiple tasks ... different cities, counties, and states. Insurance for land surveyor options are also available ...

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Why Land Surveying is an Important Career

... the infrastructure for underdeveloped countries. Insurance for land surveyors is also available ... a land surveyor. This ensures that any new development or construction does not pose a risk to the environment. What is the ...

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7 Reasons Why Carpentry is a Great Trade

... commercial, and from private to public. With the construction industry booming, carpentry offers hands- ... , saving you time when it comes to comparing your business insurance options. Go online or give us a call on 1300 ...

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Business Insurance on the Gold Coast

... Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability ... is Construction, with ...

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Business Insurance on the Central Coast

... employing 15.3% of the population, followed by Construction, which employs 11.3% of the population, ... a  Business insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. ...

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Business Insurance in bunbury

... public liability, tax audit, employment practices and statutory liability risks. Business Insurance is an insurance ... trade employing 12.1% of the population and Construction employing 11.2% of the population. The sector ...

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Top 6 tips to keep healthy as a tradie

... 190 Australian construction workers commit suicide each year, according to Mates in Construction . Although ... having the right business insurances in place. Cover like Public Liability insurance * is something most ...

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What is a Cabinet Maker?

... including working for home builders or commercial construction companies which may include on-site manufacturing ... lit, and ventilated for health and safety concerns. Insurance for cabinet makers is also available. What is ...

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Essential Woodworking Tips for Cabinet Makers

... this is to hide fasteners that were used during construction. A great way to accomplish this is to cap ... putty to fill those fastener holes. Simply use a construction adhesive and some brads to secure the panel. You ...

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Civil Engineering Explained

... 1. Construction Engineering This speciality involves the management and planning of construction-related projects including ... . Bizcover can help your business choose insurance for civil engineering options, which can ...

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Insurance for Architects

... on the drafting table or a sledge hammer on the construction site”…. or you can use BizCover! Did you Know ... the doors have closed. Public Liability Insurance* Do you need Public Liability insurance? The short answer is ...

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Business Insurance in Mackay

... Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability ... and Construction, ...

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Business Insurance in Geelong

... Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability ... and Construction, both ...

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Business Insurance in Cairns

... Insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances.  In addition, cover is available for public liability ... and Construction, ...

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A guide to choosing the right trade business

... clients Calculating the cost of materials and construction Be able to interpret designs and ... Public Liability insurance , Tool cover (also known as Portable Equipment cover ) Personal Accident and Illness insurance * ...

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A Guide to Hiring Contractors

... certain types of machinery on a construction site for example. Asking your contractor ... insurance that are often required are Public Liability insurance and Professional Indemnity insurance*. Public Liability insurance ...

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QBR Tax Audit Offer1

... to meet the financial costs of responding to an audit then you should consider Tax Audit Insurance. Beat the build up The construction industry was under review by the ATO and a small business was being audited. As a ...

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Business Insurance Perth

... of when you may need business insurance for your business: Public Liability insurance* May be required to work on certain contracts Required before you work on a construction site A requirement of a rental agreement ...

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Business Insurance Melbourne

... of when you may need business insurance for your business: Public Liability insurance* May be required to work on certain contracts Required before you work on a construction site A requirement of a rental agreement ...

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How to become a carpenter in Australia

... systems there are plenty of building and construction courses which are usually provided by ... working as a carpenter. Public Liability insurance* One of the fundamental types of business insurances, you may often be ...

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Tax Audit Insurance

... to meet the financial costs of responding to an audit then you should consider Tax Audit Insurance. Beat the build up The construction industry was under review by the ATO and a small business was being audited. As a ...

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Insurance for Electricians

... insurance? Protecting your electrician business with business insurance is a bright idea. When you're working with clients, suppliers, construction ... insurance toolbox! Public Liability Insurance* Public Liability insurance ...

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Business Insurance In Wollongong

... the largest amount of registered businesses is Construction, with 2541 businesses registered. This is ... including:  Given the various industries and occupations Public Liability insurance can cover, the cost of it can ...

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Why choose Brisbane for business?

... district is filled with new private construction initiatives providing the capacity needed for ... put the proper insurance policies in place. Public Liability insurance and Professional Indemnity insurance can help ...

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How to Stay Connected During COVID-19

... social media helps their business stay connected with their customers. “Despite being essential workers in construction , COVID has definitely impacted and inspired how we connect with our customers. During this period ...

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Marketing Basics for Cabinet Manufacturers

... -minded business owners that serve the construction or remodelling industry but are not ... posted above are simple, scalable, and easy for anyone to implement. Cabinet making insurance options should also be considered.

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Top trends in the furniture industry

... this market is likely to pay off as the public learns to distinguish between varied kinds of furniture brands. ... Popular Wood has long been a mainstay of furniture construction. People love wood. It's full of texture ...

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Reviews related to Public Liability Insurance In Construction

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M McIntosh
    Trades & Services

  • Great Price on my Liability insurance

    James M
    Trades & Services

  • unbelievable savings truly amazing the difference in the insurance costs thank you biz cover i will be recommending you to all my fellow business owners regards Palew Constructions

    Richard A
    Trades & Services

  • Compare the market were quick to respond to my enquiry, were extremely helpful, took the time out to understand what I needed and came back with some quotes very quickly. They helped me understand what insurance would be best for me and were extremely kno

    Sarah W Woodland
    Trades & Services

  • Easy no fuss way to purchase insurance

    Heath W Wheeler
    Trades & Services

  • Thanks insurance made simple

    Phillip A
    Trades & Services

  • very easy to get my public liability insurance done within minutes!! Thanks.

    Troy M
    Landscape Construction

  • all good

    Ben F
    Landscape Construction

  • Chat help is excellent.

    Matthew B
    Builder - House Construction Alteration Or Renovation

  • easy process.

    Dany K
    Architect and Architectural Consulting Service (Except Construction Project Management)

  • easy to use

    Lee W
    Carpentry Work On Construction Projects

  • Fast efficient on-line process. Well done!

    Conrad K
    Builder - New Dwellings Construction - Houses

  • fast work

    William P
    Data Communication Cabling Installation - Buildings Or Other Construction Projects

  • good

    HUA Y
    Builder - House Construction Alteration Or Renovation

  • Good

    Shane P
    Concrete Footpath Construction

  • Good options

    Dale B
    Landscape Construction

  • Good work

    Craig H
    Carpentry Work On Construction Projects

  • Great

    William P
    Data Communication Cabling Installation - Buildings Or Other Construction Projects

  • Great communication and prompt quote.

    Justin D
    Architect and Architectural Consulting Service (Except Construction Project Management)

  • Great easy process thankyou

    James R
    Landscape Construction

  • Great service and zero stress

    Samyal D
    Civil Engineering - Road Or Bridge Construction

  • Incredible was so easy to perform

    Glen J
    Data Communication Cabling Installation - Buildings Or Other Construction Projects

  • It's Quick, Simple and easy to understand

    Indrek J
    Lawn Construction

  • Nice and easy

    Dave T
    Infrastructure Construction (not otherwise specified)

  • Quick and easy

    Lee M
    Agricultural Or Construction Machinery Repair Or Maintenance

  • Quick and fuss free

    Pasquale S
    Builder - House Construction Alteration Or Renovation

  • So easy

    Jemima D
    Landscape Construction

  • So easy to do

    Brad W
    Carpentry Work On Construction Projects

  • System is looking good

    Nita N
    Builder - Commercial Building Construction

  • Take the rest of the Day off you have done so well, nice upselling

    Richard G
    Builder - House Construction Alteration Or Renovation

  • Thank you George.

    Brent G
    Data Communication Cabling Installation - Buildings Or Other Construction Projects

  • Thank you.. Joey Asa excellent job

    Christopher B
    Data Communication Cabling Installation - Buildings Or Other Construction Projects

  • Thanks for the support call very helpful cheers

    Nicholas B
    Data Communication Cabling Installation - Buildings Or Other Construction Projects

  • Thanks~!

    Mark B
    Architect and Architectural Consulting Service (Except Construction Project Management)

  • Thankyou for your prompt support call

    Michael K
    Carpentry Work On Construction Projects

  • Too easy great customer service

    Brett F
    Data Communication Cabling Installation - Buildings Or Other Construction Projects

  • unbelievable savings truly amazing the difference in the insurance costs thank you biz cover i will be recommending you to all my fellow business owners

    Richard A
    Builder - House Construction Alteration Or Renovation

  • Very easy

    Peter B
    Concrete Footpath Construction

  • Very easy step by step procedurer thankyou

    Michael R
    Concrete Work On Construction Projects

  • Very Easy To Fill In Forms. . Only takes a few minutes.

    Ron B
    Coolroom construction

  • very easy, no hassles.

    Cain H
    Concrete Foundation Construction

  • very easy, well explained very recommended

    Michael G
    Builder - House Construction Alteration Or Renovation

  • Very fast and convenient

    Daniel R
    Landscape Construction

  • Very helpful - thank you.

    Allan P
    Architect and Architectural Consulting Service (Except Construction Project Management)

  • very simple and easy no fuss

    Dale B
    Carpentry Work On Construction Projects

What is insurance for tradesmen?

Whether you’re a carpenter, a handyman or a plumber, things like accidentally inuring or damaging a third-parties property or getting your tools stolen are real risks that tradies face every day. Business insurance for tradesmen is designed to give your tradie business the protection it needs and peace of mind knowing that you have a safeguard in place when things don’t stick to the blueprint.

Why do Tradesmen need insurance?

The reality is as a tradie you are exposed to different kinds of risks, making it vital to look at the various types of business insurance options available and how they can protect your business. These are some examples of when business insurance can help:

  • Protection against claims from third parties for accidental personal injury or damage to their property
  • Protection for your tools of trade in case they are lost, stolen or damaged
  • Certain types of business insurances may be required when taking on a contract
  • Financial protection in the event you are faced with a claim

 

Don’t be a ‘hero’ and rock up to your next job without your insurance. With BizCover you can get multiple competitive quotes from some of Australia’s leading insurers online quicker than you can say “smoko” and grab yourself a feed from the tuck shop!

Did you Know?

Your Public Liability policy covers you anywhere in Australia, so you can work your trade magic anywhere from Brisbane to Balmain!

What insurances should tradesmen consider?

There are a few types of business insurances you may need to consider as a tradie. This is a snapshot of a few:

Public Liability Insurance*

Public Liability insurance may be a requirement for tradies well before you step foot on site and is one of the important types of cover you may need to look at.

Even if you can talk your way out of a pile of rubble, you’re not going to be able to talk your way out of a Public Liability claim.  Public Liability insurance is designed to provide protection for you and your 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.

Consider the possible personal injury claims from trip hazards created by your work activities or the risk of property damage claims – what about if you dropped a hammer and cracked some tiles? What if you forgot to turn the power mains off and electrocuted someone?

A personal injury and property damage claim could have a huge impact on your business, not only financially, but also to your company’s reputation.

If you’re working as a contractor, you should also consider your contractual obligations to carry a minimum amount of Public Liability insurance.  You may also be required to hold Public Liability insurance if you are a member of a particular trade association.

What is typically included?

Compensation for:

  • personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered claim

 

What is typically not covered?

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period

Business Insurance*

Your tools of trade and other business assets help you get the job done, so consider protecting them with coverage options like Portable Equipment* and Contents*

Insuring your tools, and your business against an instance when you have to down tools will ensure you still have a business,

  • Portable Equipment* – it’s likely you’ve accumulated a lot of tools over several years of work. If they were lost or stolen could you turn up to work the next morning and keep working? She’ll be apples with Portable Equipment cover – it insures items such as tools, business equipment or electronic items.

Professional Indemnity insurance*

If you are an electrician, plumber of carpenter, sharing your tradie pearls of wisdom to your clients could lead to a potential claim if things don’t exactly go to plan and an accidental error occurs.

There’s no doubt you know your stuff when it comes to all things tradie, and if you are an electrician, plumber of carpenter  client’s may often seek out your advice on certain things. But did you know that if your advice causes them a financial loss you could be held responsible? That’s where Professional Indemnity insurance can provide a helping hand.

Professional Indemnity insurance covers you for losses claimed by a third party and defence costs due to alleged or actual negligence in your professional services or advice.

Personal Accident & Illness Insurance*

Working as a tradie you rely on being physically fit to your business going and getting the job done, so if accident or illness were to strike you need to think of Plan B to help provide an income while you’re off recovering.

As a tradie you need to be fit and healthy to bring in the dough – but have you stopped to think about how you would keep on paying the bills if you were to injure yourself or fall ill and had to take time off work to recover? Accidents can happen anywhere, anytime. It could be at work or even on your own time; whether you are doing a bit of DIY around the house or playing a game of backyard footy on the weekend.

Personal Accident and Illness Insurance provides levels of cover for loss of income, permanent disablement and even death if you are unable to work as a result of an injury or illness.

Product Liability insurance*

If your tradie business starts selling products, you may need Product Liability insurance to protect from claims from third parties for property damage or injury.

Tax Audit*

If your tradie business is investigated by the ATO it can be a stressful and time-consuming event. It’s a hassle and worry that you don’t need hanging over your head, and that’s where Tax Audit insurance can make things less stressful.

If your accounts are audited by the ATO, you may need to hire external professionals, like an accountant to assist in the process. Tax Audit Insurance covers a business for specified costs in responding to an official tax audit.

An unwanted trade

A tradie working on a commercial building locked up his tools before leaving the worksite at the end of the day. The next morning when the site was opened his tools were nowhere to be seen. A double whammy – no tools and potentially a contractual penalty for delaying the work. The insured’s claim was dealt with quickly and he was able to replace his tools in time to avoid all penalties.

Why choose BizCover for your tradesmen insurance?

We won’t bore you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English.

Cover to match your needs

You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!

No paperwork required

We don’t believe in mountains of forms and paperwork, just online insurance made easy!

Real people adding real value

Our friendly service team is on hand and on a mission to make you smile!

What kind of tradesmen need business insurance?

These are just some examples of the type of trades industry’s which need to consider business insurance to protect their business:

Tradesman insurance covers a broad range of modalities, including:

  • Carpenters & Woodworkers
  • Electricians
  • Handymen
  • Plumbers
  • Concreters
  • Garden & Lawn Maintenance
  • Painters
  • Bricklayers
  • Lawn Mowing Service
  • Tilers

How much does insurance cost for tradesmen?

Every tradie is different with their own unique features and types of potential risks. There isn’t a one-price fits all kind of tradie insurance policy, the pricing is dependent on your individual factors and circumstances.

These factors can be things like:

  • Your claim history
  • The type of business operations you perform
  • Your annual turnover
  • The number of staff
  • Level of cover
  • Claims history

 

To receive an accurate idea of how much business insurance will cost for your tradie business have a chat to our friendly team to get a quote.

Frequently Asked Questions

Certain types of business insurance like Public Liability insurance may be a requirement before you can work on a job. It is always important to check your contract or agreement to see if a minimum level of cover is also stipulated.

If you rent your business premises, Public Liability and even Glass cover may be outlined as a requirement of your rental agreement by your landlord.

Just like any other self-employed business, insurance is something which you should consider as part of your business plan to help you stay in the tradie game for the long haul. While some types of insurance may be a requirement, there are a variety of coverage options designed to protect the things that matter most to your tradie business.

Just like the cost of business insurance, there isn’t a blanket cover for all tradies. However, there are a few factors that you can keep in mind when trying to calculate your level of cover. For example:

  • The size of the jobs that you are working on. The higher the cost, the higher risk and you may want to look at increasing your Public Liability insurance accordingly
  • Is there a minimum amount of cover stipulated in your contract?

* This information is a general guide only and does not take into account your objectives, financial situation or needs.  As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.

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