Insurance for Tradesmen

... Public Liability claim. Public Liability insurance is designed to provide protection ... member of a particular trade association. Business Insurance* Insuring your tools, and ...

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Insurance for Sole Trader

... most sole traders need to consider is Public Liability insurance. Public Liability insurance* is ... or occupation. Other Insurances The type of insurance policies a sole trader may require ...

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Insurance for makeup artists

... artists you work as a sole trader, you may be personally liable ... Equipment insurance provides essential protection for your tools of the trade in ...

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A roadmap to staying in business for the long haul: Part 2

The journey to becoming a successful small business owner is one of twists, turns and the occasional speed bump. In our two-part series (catch up on part 1 here) we map ... you are operating as a sole trader. However, take heart, guidance, inspiration ... do best, stress-free. Having business insurance gives you peace of mind. ...

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Public Liability Insurance for Cabinet Makers

... the right kind of business insurances in place. Regardless […] ... self-employed, a sole trader or a contractor, there are business insurance options to ... the most well-known insurances in the trades industry, Public Liability insurance is one ...

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Insurance for Cabinet Makers

... ? If you operate as a sole trader, you are personally responsible for ... consider is Public Liability insurance. Public Liability insurance is designed to provide ...

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What is Product Liability Insurance?

... Product Liability Insurance? What is Product Liability Insurance? Product Liability insurance* protects your ... If you operate as a sole trader, you will potentially be exposed ...

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Toolbox of Tips for Tradies National Health Month

Tradies National Health Month is an important campaign held every August in Australia each year, aiming to raise awareness around the health and safety of tradies. According ... pocket too. If you're a sole trader or contractor and not covered ... Personal Accident and Illness (PA) insurance comes into play. Personal Accident ...

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5 Reasons to love Personal Accident Cover

Personal Accident and Illness Insurance (IPA Cover)offers financial protection ... ... Compensation such as consultants, contractors, sole traders or directors, and can also ... Health Checks Unlike some other insurance policies, a personal accident policy ...

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Hardship & Triumph: Aussie Entrepreneurs Tell it How it is - Part 2

World Entrepreneurs' Day may have been and gone but quite frankly, we think there should be an entire week dedicated to this lot - so that's exactly what we're doing ... of Australia's small businesses are sole traders, that's almost 1.32 million solopreneurs ... found a niche within the insurance industry by looking at where ...

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Aussie Entrepreneurs Share the Top 3 Lessons They've Learned

Today, and every day, we're celebrating Australia's entrepreneurs. Those hard-working hustlers who have stuck it to the man and gone out on their own to start their own ... of Australia's small businesses are sole traders, that's almost 1.32 million solopreneurs ... first online only small business insurance platform. Despite it’s growth ...

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5 Legal Essentials for your Small Business

By Bianca Reynolds Bianca is a lawyer at LegalVision. Throughout her studies, she gained experience in a variety of areas of law including family, commercial, and personal ... in growing the business, a sole trader structure may be right for ... a non-compete or restraint of trade clause. These are all protections ...

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Customer Spotlight: Cazeil Creative

Ask most people what they would save in a fire and the most common answer is always photos. Photography plays an important role in our lives, recording personal and historical ... pieces of equipment. “As a sole trader, insuring my business is almost ...

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7 Steps for Your Business to Survive and Thrive

When you first launched your business, you probably thought you'd bought your ticket to a freer and more relaxed lifestyle, right? By now you may have learned that the ... own, especially if you're a sole trader. Explore sources of free support ...

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How to hire quality tradesmen for your small business with Oneflare

When hiring tradesmen for your small business, you don't have any room for error - so every tiny detail counts. It can be daunting and time-consuming sorting through ... common and essential form of insurance for tradespeople. It covers the ... Indemnity Insurance Professional Indemnity insurance is not commonly required for your average trade ...

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BizInsure Capitalizes on the Paradigm Shift in Commercial Insurance!

... www.bizinsure.com), a leading-edge online insurance model that connects independent professionals ... critical Professional Liability (E&O) insurance< ... BizInsure (www.bizinsure.com), a leading-edge online insurance model that connects independent professionals ... slowest to innovate. Until now, sole proprietorships, consultants, and small to ...

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Public Liability WA

... much do Trades & Service pay for Public Liability Insurance in WA ... public liability insurance for membership? Does your business or trade licence require ...

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Public Liability NSW

... much do Trades & Service pay for Public Liability Insurance? The average ... amount a small business operating in the Trades ...

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Public Liability QLD

... much do Trades & Service pay for Public Liability Insurance? The typical ... amount a small business operating in the Trades ...

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Managing Risk for Tradesmen

Running your own trade business or working as a ... Running your own trade business or working as a ... is having the right business insurance. Protect your livelihood Public Liability ...

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Insurance for Plasterers

... plastering, and just like all trades it comes with its own ... the policy wording. Insurance for plasterers Public Liability Insurance* Protecting your business ...

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Reviews related to sole trader insurance

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Why do Tradesmen need it?

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

Did you Know?

Most commonly Tradies purchase a Public Liability Insurance policy which covers them to a level of $10 million.

Insurance for Tradies

Public Liability Insurance*

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.

Business Insurance*

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

Personal Accident & Illness Insurance*

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.

Tax Audit*

If you are investigated by the ATO it can be a stressful and time consuming event. Do you have an accountant at the ready to help you through?

Tradesman insurance covers a broad range of modalities, including:

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.

 

*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.

3 questions to ask yourself when buying insurance

  1. Are you required to have a particular level of Public Liability cover for a particular contract or worksite?
  2. How much are the tools of your trade worth? Do you have cover for theft and damage?
  3. Would you be able to afford to take time off work to recover if you were to injure yourself or fall ill?