COMPREHENSIVE CARPENTERS INSURANCE
At Tradesure we understand that carpenters need insurance specific to their trade. We know that a one-size fits all carpenters insurance policy just won’t be sufficient. Tradesure insurance advisers specialise in insurance for tradies and subbies, we have the industry experience gained from years of insuring tradesmen to ensure you and your business get the right policy for your requirements.
We know carpenters, in fact carpenters are our largest customer group, we understand how carpenters run their businesses and most of all, we understand that carpenters need the right insurance cover at a competitive price.
CARPENTERS PUBLIC LIABILITY INSURANCE
When you are on a project, it’s normal to have timber, saw horses, electrical cables and air hoses about the place. Unfortunately there is only so much you can do to make them obvious to others, but there will always be some risk of people tripping over them. This is where a good Carpenter’s Public Liability Insurance comes in and will protect you from possible financial loss.
Public Liability covers injury to third parties and damage to property of third parties that you and your employees are responsible for in the course of your business, Legal fees incurred during a claim are also covered by this policy.
OTHER COVERS AVAILABLE
TOOLS & EQUIPMENT COVER
We understand the importance to you of your business tools and equipment and the fact that without them it is virtually impossible for you to continue working. In the event of a claim, our tools-equipment cover is based on replacement value of the items and not the depreciated value.
What’s covered with our Tool Insurance:
Your tools and stock for Fire & Specified Perils, Flood, Theft following forcible entry to a locked building or locked vehicle, damage in transit due to a collision or overturning of the vehicle the items are in.
* Covered Australia wide in any vehicle or building
* Cover for Stock up to $2,000
* Cover for any one item up to $2k automatically – if any items need insurance are over $2k, these will to be specified (no charge)
* You can also include Electronic items for Accidental Damage up to $1,000 which is additional to the standard cover– these need to be specified. *QBE Policies only
Please Note – our standard excess is $500 per claim (not per item).
TRAILER & WORK VEHICLES
Our Tradesure team can advise on the best work vehicle and trailer insurance for you. For carpenters a work vehicle/ trailer is like a third arm, you cannot carry out your job without them. Protect your assets and livelihood with Tradesure Work Vehicle/Trailer Insurance. Premiums start from $14.99 per month on work trailers up to $5,000.
CARPENTERS SICKNESS & ACCIDENT INSURANCE
We strongly recommend sickness and accident insurance to protect your income. Tradesure offers 24/7 Illness and Injury Insurance and has you covered whether you get hurt at work or somewhere else in Australia if it’s work related or not. At Tradesure we think this is one of the most important insurances any self employed tradie can have.
There are two choices – 1. Accident and Sickness or 2. Accident Only cover, with varying benefit periods (the maximum time you will be paid) from 1 year up to 5 years for Accident Claims and up to 2 years for sickness claims.
Monthly premiums are available through Premium Funding (Additional charges apply).
CONTRACT WORKS INSURANCE
Contract Works covers 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 maybe cause for you as a carpenter to insure the work/contract you are undertaking. As a carpenter you can insure any single contract or have an Annual Contract Works policy to cover all the work you do. Monthly premiums through Premium Funding (Additional charges apply)s, are available on Annual Contract Works policies.
If you have employees then you need to have them covered by Workers Compensation (Work Cover in some States). At Tradesure we can obtain competitive Workers Compensation premiums for you with Australia’s biggest insurers who also provide an efficient and proactive claims service. We also recommend that you check with your local state authority to see that any of your subcontractors maybe classed as employees under your states Workers Compensation legislation and that you may be required by law to insure subbies under your Workers Compensation policy.
PROMPT CLAIM SERVICE
We understand it’s important that tools claims be dealt with as soon as possible. If your claim details and paper work are in order, we guarantee a maximum 5 business day settlement on your claim. Tradesure Insurance Claims receive priority and we have a dedicated team member to support you with any claims you make, to make sure you receive your full entitlements as soon as possible.
TRADESURE CARPENTERS INSURANCE
To make managing your insurance policies easy, ask your experienced Tradesure insurance adviser about bundling your insurance into a package that best suits a Carpenter’s needs. This can include Public Liability Insurance, Tools Insurance, Work Vehicle/Trailer Insurance, Illness & Injury Insurance and a range of other insurances that may apply to your carpenters business including Tax Audit, Transit, Statutory Liability, Property and Theft.
Tradesure offers a comprehensive range of carpenters insurance cover at a competitive, affordable price. Take Mark from Taigum’s word for it – He said he shopped around but “Tradesure were better value for money and they offered pay by the month through Premium Funding (Additional charges apply).”
For all your Carpenter Insurance needs contact Tradesure on 1800 872 331, or hit the button below and one of our team will contact you.