Property damage
Cost of repair or replacement if you, your employees or your tools cause accidental damage to property during a job.
Injury
Medical expenses and rehabilitation costs should a client or member of the public be injured during your work activity.
Legal costs
Legal costs, including defence or court fees if you need to defend a claim made against you. Crucial for protecting your financial assets in case of a lawsuit.
Own Property damage
If your tools, trailer or vehicle are damaged or stolen, Public Liability will not cover their replacement. Separate policies like Tools or Trailer insurance are needed to cover these.
Personal injury
Personal Accident insurance policies are designed to cover you if you sustain an injury during your trade work. Talk to our team about a Trades Personal Accident insurance policy.
Contracts
A breach of contract or failure to deliver on services as per the contract will not be covered. Builders Contract Works or other insurance policies can cover specific contract issues.