However, there are a lot of aspects of trade insurance that you’ll need to consider before you get covered.

Being informed about your insurance is the best way to make sure you’re covered properly… and are paying the right amount for your cover.

So what is there to know?

The Types Of Trade Insurance

At Tradesure, we understand that not every trade is the same and there are different types of insurance policies to reflect this. The most common types of insurances for tradies include:

• Professional Indemnity Insurance
• Public Liability Insurance
• Trailer Insurance
• Income Protection
• Tool Insurance 

Dependent on your trade, you may not need every one of these insurance types or you may need a greater or lesser extent of cover. Have a look at our page on insurance for your specific trade. 

The Most Competitive Premium

It’s worth taking the time to shop around to find an insurance policy that suits you.

Not all policies are the same, and you won’t want to fall into the trap of paying more than you should.

When taking out insurance, you’ll also want to make sure you aren’t underinsured and have the extent of cover that you’ll need… which sometimes requires paying a little bit extra.

In the long run though, you’ll be grateful you did.

Make sure to check out our blog on reading your policy for our tips on what you need to know. 

Is a Broker Worth It?

An insurance broker will save you time, money and stress.

At Tradesure, we are highly experienced in the world of trade insurance and will do the heavy lifting for you when it comes to finding the right policy.

We’ll also deal with the insurance provider when it’s time to make a claim and get you everything that you are entitled to.

To find out how we can help you, Contact Us today.

The post Don’t Get Trade Insurance Without Reading This First! appeared first on Tradesure.

We’ve answered some common questions below to help you figure out the world of trade insurance…

Why Do I Need Insurance As A Tradie?

The potential for danger, damage and injury is much higher in the trades industry than other office-based jobs.

If you find yourself in a situation where yourself, somebody else or their property has been compromised as a result of your work, your income and finances are likely to be affected. 

With trade insurance, you can make sure external parties, your tools and income are protected should anything unexpected happen, with a significantly less cost to you.

What Are The Most Important Trade Insurances?

There are a few types of insurances for tradies that you should consider based on the sort of work you are doing. 

Typically, the most common types of insurances for tradespeople include:

• Professional Indemnity Insurance
• Public Liability Insurance
• Income Protection (also known as Injury and Illness Insurance)
• Tool Insurance 

If you want more information on what types of insurance you should take out, talk to the experts at Tradesure.

How Do I Make A Claim?

Your insurance is designed to be there when you need it most… and should something go wrong that affects your work, you’ll want compensation.

This is when you will need to make a claim.

If you are dealing with an insurance company directly, making an insurance claim is slightly more difficult. It may include filling out long forms, gathering documents and navigating disputes between you and your provider.

However, if you get insured through Tradesure, you just simply need to call us and we’ll tell you exactly what we need from you so we can get you everything that you are entitled to.

Do I Need An Insurance Broker?

While an insurance broker isn’t mandatory, your life will be much easier with one. 

With an experienced broker, you will save yourself time and money. They can:

• Compare policies for the best price
• Ensure you are covered to the extent that you need
• Make your claims for you

Have more questions? Speak to our team at Tradesure to get filled in! Give us a call today.

The post Your Questions Answered About Trade Insurance! appeared first on Tradesure.

In the trade industry, becoming a subcontractor or small business owner is a popular career move and can be very rewarding. However, starting a business is no small feat and you’ll want to be prepared.

If you are thinking of starting your own business, insurance is a must. 

Whether you are an electrician, plumber or carpenter, starting your own trade business already comes with risk… so it doesn’t make sense to put yourself in a riskier position. Getting insured is the only way to ensure that you will be financially covered should the unexpected happen that you are liable for.

Insurance can be a tricky field to navigate, so we’ve broken down the essential policies that you should be aware of for your new trade business…

Public Liability Insurance

One of the most important types of insurance for any trade business is Public Liability Insurance.

Essentially, this policy will cover you financially should something happen on site that affects other people or their property, namely injury or damage. 

Check out our blog for more information on What is Public Liability Insurance and Why Every Tradie Needs it! 

Income Protection Insurance

Also known as Injury and Illness Protection, Income Protection Insurance and Self Employed Income Protection is all about ensuring that you are protected in the event that you find yourself unable to work.

Being a tradie comes with inherent risk on the job and with this insurance, you can rest easy that you will still have an income should you fall victim to an accident or sickness. 

You can read up here on How Income Protection Supports Tradies. 

Tool and Trailer Insurance

This insurance is all about covering the things that you use to do your job. Looking into Tool Insurance and Trailer Insurance is a necessary step when you are in the early stages of starting your business.

If you use tools or a trailer to do your job, this policy will get you back to work fast should they be affected by fire, flood, accidents, theft or vandalism.

Contract Works Insurance

Contract Works Insurance will cover the building that you are working on while it is being built. 

This generally will cover any loss or damage caused by external factors while work is being done.

To know exactly what you need for your new business, and to what extent you should be covered for, it’s best to talk to the experts. At Tradesure, our team is well equipped to help you figure out the best policies for you and won’t be shy when it’s time to make a claim.

Contact Us today or get a free online quote now!

The post Don’t Start Your Own Business, Until You Read This! appeared first on Tradesure.

With numerous types of insurance that apply to a range of trades, it can be easy to miss the important ones… So how do you ensure you’re properly covered?

At Tradesure, our team are experts in trade insurance and are more than happy to walk you through the necessary policies for your trade. Having an insurance team on your side is the best way to ensure you are covered… but it’s also handy to know the basics.

The Main Types of Insurance for Tradies

Although every trade is different, there are some essential policies that apply across the board. Being a high risk occupation, these are the cover you may need if you’re in the trade industry:

• Professional Indemnity Insurance
• Public Liability Insurance
• Income Protection (also known as Injury and Illness Insurance)
• Tool Insurance 

You’ll also want to consider Trailer Insurance if you do use one in your line of work, as well as Contract Works Insurance if it applies to you.

It can be difficult to determine exactly the extent of cover you need, which is why it’s always advisable to have a chat with the experts. 

How to Get The Best Deal

Of course, not every insurance policy is the same, especially when it comes to price. 

Knowing whether or not you are getting a competitive premium is difficult without comparing many different insurers… which is where we come in. 

The team at Tradesure will do the heavy lifting for you to make sure you are getting the best deal, and when it comes to making claims, we’ll make sure you are getting every penny you deserve.

Get a free online quote today or give us a call!

The post Tradies! Here’s a Quick Way to Ensure You’re Covered appeared first on Tradesure.

For tradespeople, the right insurance is essential due to the various risks involved at work. You want to know the ins and outs of what exactly you’re covered for and whether or not you’re paying the right price.

Of course, it’s hard to tell without knowledge of the industry. To make sure you have all your bases covered, having a trusted insurance expert behind you is the key to getting the most out of your insurance.

Your Current Policy

A good insurance broker can look into any policies that you currently hold and identify any issues that may affect your cover.

Depending on your type of trade, your policy should include:

• Public Liability Insurance
• Tool Insurance
• Income Protection
• Trailer Insurance
• Contract Works Insurance

An insurance expert can identify what policies are suitable to your work and alter your policy to reflect any necessary or unnecessary cover.

Competitive Pricing

Dealing with insurers directly can be difficult and it can be complex trying to figure out which has the best deal. Having an insurance team like Tradesure to do the ring around is a sure way to find out whether your premium is competitive.

With Tradesure, you can rest easy knowing your getting the best value for money without the nasty hidden expenses!

Ease of Claims

Making a claim can be a convoluted process, which is why it can be incredibly helpful to have someone to go in and bat for you. This will ensure you get everything that you’re entitled to. 

At Tradesure, insurance claims have never been easier. Simply give us a call and we’ll talk you through which claims forms and any other documentation you may need. This way, your claim will be resolved quickly and simply!

For the key to getting the most out of your trade insurance, or for more information about our products and services, get in contact with Tradesure today!

The post At Last, the Secret to Trade Insurance is Revealed! appeared first on Tradesure.

While it isn’t legally required to be covered, you could be risking a lot by leaving yourself uninsured. There’s a fair bit of risk in a tradesperson’s line of work and if you rely on your trailer and its contents for your trade, you’ll be left vulnerable.

What Is It?

Put simply, trailer insurance will provide financial cover should something happen involving your trailer. 

The cost to get insured very much depends on the value of your trailer and the insurer you choose. It’s always best to have a chat to a trades insurance expert before you purchase so you know you’ve got all your bases covered.

What Can Go Wrong? 

Even if your vehicle and tools are insured, your trailer may not be included, especially if you frequently leave it unhooked. This means you can be left exposed to a range of costs if something happens to it.

Trailer insurance can get you covered in the event of:

• Storms, hail or lightening
• Theft or vandalism
• Fire
• Legal liability
• Third-party property
• Accidents and Collisions

There are a range of things that can go wrong involving your trailer and if you don’t have insurance, you’ll have to wear the consequences.

What Can I Claim?

In the event that something does happen, you’ll be able to claim the costs associated with:

• Damage and replacement
• Towing
• Storage 
• Any required clean-up

Make sure you talk to your insurer to know exactly what your trailer insurance covers, how comprehensive it is and what claims you can make. A good insurer will tailor your insurance to suit your needs… which is why you should choose Tradesure!

How Do I Get It?

Make sure you are covered with an insurer you trust. The team at Tradesure will provide a free quote for your trailer and talk you through any insurance you have or additional insurance might require. 

Get in contact with us today to get covered!

The post Trailer Insurance, What Is It and Why You Need it appeared first on Tradesure.

Having the correct insurance can make dealing with the consequences of losing or damaging property significantly easier than going without. This applies for your own property, as well as someone else’s which you could be liable for.

It’s always good to get informed about the necessary insurances for your trade and at Tradesure, we are more than happy to give you all the information. 

Read on for our guide on what to do in the aftermath of damage or loss of property.

If it’s Your Own Property

Whether it’s caused by theft, accident or a Natural Disaster, damage or loss of your own property can significantly impact your own ability to work. 

Trailer Insurance and Tool Insurance for Tradesmen & Contractors are two of the most important insurances tradies can have and will cover you financially should anything happen to your tools or trailer. This also means you can get back to work fast without the hassle of replacing these key assets. 

If you’re not covered, replacing or repairing these items will need to come out of your own pocket and if a key item has been damaged or lost, this will greatly hinder your ability to get back to work. 

If it’s Someone Else’s Property

Causing damage to someone else’s property is a real risk in the trade industry. On the job, accidents can happen and as a result, a claim can be lodged against you. This means you can be liable for financial compensation required after the damages. 

Tradesman Public Liability Insurance makes sure that you are covered financially for any compensation that you might owe. It also makes sure the people affected by the damage get the money they need to replace or repair the property. 

Make a Claim

At Tradesure, making a claim is easy. Give us a call first, so we can tell you everything you need to know about making a claim and what additional information you might need to supply. Then, download the appropriate Claim Form, complete it and send it to us via email, fax or post. 

For any information, consultations or quotes regarding the insurance that you require, don’t hesitate to get in contact with the team at Tradesure.

The post What To Do After A Damage Or Loss Of Property appeared first on Tradesure.

However, that doesn’t mean you should be risky with the consequences. Getting Public Liability Insurance is a great way to make sure that when anything goes wrong, you’ll be in the clear. 

So, what is it and why should every tradesperson have it?

Public Liability Insurance

This type of insurance is designed to protect businesses when other people or property are affected by incidents or accidents that happen on the job. For tradies, this is particularly important. 

There are a lot of things that can go wrong on a work site, and when they result in injury to another person or damage to property, the tradie is often liable for any of the financial costs associated with the claim. These may include:

• Loss or damage of goods or property 
• Legal expenses
• First aid expenses

Keep in mind, Public Liability Insurance doesn’t cover:

• Damage to property or goods owned by your employees or yourself
• Your employees’ or your medical expenses
• Illegal or unlawful activity

When organising your insurance, it’s always good to talk through what exactly you’re covered for and what other insurances are available for what’s excluded. For more information, contact us at Tradesure. 

Why You Need It

In many instances, Public Liability Insurance is actually a requirement for tradies to obtain a licence or access a worksite. A majority of builders and project managers understand the potential dangers of being on site and many require subcontracted or self-employed tradespeople to be covered by this insurance. 

Obligations aside, having Public liability Insurance will save you money and keep your conscience clear in the long run.

If something happens during the job that results in your clients being injured or their property damaged, your clients will be entitled to a payout to cover the costs of the consequences. If you don’t have that money, not only will you be in financial stress but they won’t get the money they need to go on with their lives.

Getting covered isn’t as expensive as you might think either… and costs a lot less than taking the gamble without it. 

To see exactly how much, get a quote from us at Tradesure or get in touch! 

The post What is Public Liability Insurance and Why Every Tradie Needs it! appeared first on Tradesure.

Public Liability Insurance is much more common for tradies and although similar to Professional Indemnity Insurance, there are some differences. 

While Public Liability Insurance ensures you are financially covered for any damages or injuries that occur as a result of your work, Professional Indemnity Insurance covers you for the consequences of the advice you give your clients. For more info on the two, check out our blog on What type of Liability Insurance is right for my business? 

When it comes to Professional Indemnity Insurance in particular, here are some things to consider… 

How is it Helpful?

For tradies that provide professional advice to their customer for a fee, Professional Indemnity Insurance will ensure that you are protected financially should an incident occur as a result of the advice provided.

When giving advice, there are always the possibilities of errors or omissions that can have unfortunate and unintended consequences. Third parties can make claims if the advice given eventuated in financial loss due to negligence or a breach of profession duty. 

What Does it Cover?

Professional Indemnity Insurance can cover a range of costs associated with Indemnity claims. These may include:

• Legal expenses
• Investigation costs
• Damages

These things can be quite costly, so getting insured can save you money long term. 

Does it Apply to My Work?

Professional Indemnity Insurance should be something to consider if you do have customers that rely on your advice, so be sure to make an informed decision.

As many tradies don’t offer advice services at an extra charge, or leave the consultation process up to the engineers or architects involved, it can be easy to feel like Professional Indemnity Insurance isn’t necessary for you.

However, you can be liable for an Indemnity claim, even if you don’t offer advisory services for a fee. The line between professional advice and personal opinion can sometimes cause disputes, so it’s important to talk to an insurance professional to find out what is best for you.

If you have concerns about anything relating to insurance in the trade industry, get in contact with our team at Tradesure.

The post What Is Professional Indemnity Insurance, And How Does It Help Tradies? appeared first on Tradesure.

Just like every plumbing job can be different, we know that there’s no “one size” fits all insurance for plumbers and tradies. Our Plumbers Insurance covers a myriad of different policies, and we’ll help you tailor them to the way you do things on the job. Read on to find out everything you need to know about choosing your Plumbers Insurance:

Trade Tool Insurance

Losing your tools due to theft or accidents can put your business and your work schedule back significantly. Tradesure’s Plumbers Insurances provides Work Tool Insurance for all your mobile equipment, stock and tools, meaning you’ll avoid out of pocket costly replacements and work downtime due to buying new equipment by insuring your tools and equipment.

Public Liability Insurance

Plumbers Public Liability Insurance is necessary for all plumbing contractors in the event of damage to either your property or to another person while on the job. Tradesure covers you by providing competitively priced Public Liability insurance for your business and ensuring that you won’t be out of pocket, should anything go wrong. 

Builder Contracts Work

This type of insurance is necessary incase of damage to the work you are doing while under construction from occurrences such as flood, storm, theft of materials and fire. Although this is often insured by the builder on projects, there might be cause for you as a plumber  to insure the work/contract you are undertaking.  

Income Protection

What if you couldn’t work due to sickness or an accident? Plumbers commonly cover their work vehicle and tools, but neglect to cover their most important asset – their income. Not to be confused with WorkCover, Illness and Injury Insurance is quite a different matter. It’s designed to pay an income when you are unable to work whether the cause of your injury or illness is work related or not 24/7.

Trailer Insurance

Our Tradesure team can advise on the best work vehicle and trailer insurance for you.  For plumbers, a work vehicle/ trailer is like a third arm – you can’t carry out your job without one! Luckily, you can protect your assets and livelihood with our Tradesure Work Vehicle/Trailer Insurance.

Plumbers are one of our largest customer groups here at Tradesure – so it’s safe to say that when it comes to Plumbers Insurance, we know our stuff. We know how they operate their businesses and most importantly, we understand that plumbers need insurance that is specific to their field. Tradesure specialises in insurance for tradies, subbers and builders, meaning that we can give the best possible insurance cover for plumbers, and at the most competitive price. 

For insurance the most competitive cover for plumbers, fill in an online insurance quote form or if you’re not sure what you need, simply fill in a contact form, or call us on 1800 872 33.

The post Everything You Need To Know About Plumbers Insurance appeared first on Tradesure.