INSURANCE FOR CONCRETERS
CONCRETE CONTRACTORS INSURANCE
As concreters, we understand your trade speciality is getting the mix just right. At Tradesure we also need to ensure we are getting the right mix of insurances to cover your specific trade. In fact, we are focused solely on providing quality insurance to tradies and subbies. Many of our insurance team have been with us since our business began which means we have the experience and industry knowledge to deliver you the best insurance for your business.
PUBLIC LIABILITY INSURANCE
When you are on a project, it’s normal to have pumps and saws on the site. 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 Concreters Public Liability Insurance comes in and will protect you from possible financial loss.
Public Liability Insurance can protect you if you directly or indirectly cause damage to someone else’s property or an injury to a third party while working on a job site. It is often a requirement and will provide financial aid in the event that an accident causing injury or damage occurs.
OTHER COVERS AVAILABLE
CONCRETER TOOLS & EQUIPMENT INSURANCE
Tradesure Trade Tool Insurance helps protect your business if your tools or stock get stolen or damaged on or off the job site. Concreter tools and equipment can be quite expensive to replace. Reinstating your compactors, pumps and saws would set your business back substantially plus cost is downtime. Protect your tools with trade tool insurance.
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 & VEHICLE INSURANCE FOR CONCRETERS
Our Tradesure team can advise on the best work vehicle and trailer insurance for you. For concreters 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.
CONCRETERS 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.
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 concreter you can insure any single contract or have an Annual Contract Works policy to cover all the work you do and once again monthly premiums through Premium Funding (Additional charges apply) are available.
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 TRADE INSURANCE
The list of insurance needed to run your business can be intimidating. Tradesure provide a one stop shop for all your trade insurance needs. You can get on with concreting and let our insurance experts deal with everything from trailer insurance for concreters right through to Public Liability Insurance. We also offer easy pay by the month payment plans to avoid that dreaded yearly lump sum that stops small businesses in their tracks.