PAINTERS AND DECORATORS INSURANCE
At Tradesure we specialise in insurance to those with a trade. Tradesure insurance advisers deal in what we know best, and that’s insurance for Tradies and Subbies. We understand that a one-size fits all insurance policy just doesn’t fit a painter, what you need is insurance specific to the painter profession. Painters are one of our largest customer groups, so we know how painters run their businesses and most of all, we know that painters need the best possible insurance cover for the best possible price.
PUBLIC LIABILITY INSURANCE
When you are on a project, it’s normal to have tools and equipment on a 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 Painters 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 can provide financial aid in the event that an accident causing injury or damage occurs.
OTHER COVERS AVAILABLE
VEHICLE & TRAILER INSURANCE
Our Tradesure team can advise on the best work vehicle and trailer insurance for you. For painters 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.
INJURY & ILLNESS 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).
TOOLS & EQUIPMENT COVER
Work sites can be busy places with people coming and going at all times of the day and night. The loss of essential tools can set your work back substantially, plus leave your business out of pocket.
What’s covered in our Tool Insurance:
* There’s a limit of $2,000 per item unless specified.
* Items where the replacement value is more than $2,000 need to be listed (no additional cost).
* Cover is up to $2,000 automatically for any stock you have locked in a vehicle or building.
* Plus (Available through Premium Funding – Additional charges apply) Accidental Damage (up to $1,000) can be included on specified electronic equipment such as lap tops, ipads, mobile phones and digital cameras. *QBE Policies only
Please Note: Our standard excess is $500 per claim (not per item).
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 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 tools 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.