Tradies Quote2019-10-22T09:53:41+00:00

Tradies Instant Insurance Quote

Tradies Instant Insurance Quote

We’ve found you a VERY competitive Public Liability premium from a reputable global insurer. Just fill in the form below and our system will give you an instant quote. If you want to go ahead, just give us a call on 1300 633 530.
If your trade is not listed or you have more than 5 tradies on tools, please call us. We can still help you.

Public and Products Liability

$

12 month premium

Tools Insurance

$

12 month premium

*Tools insurance is only avaliable with Public Liability Policy

Did You want to go ahead with this Quote ?

Call us Now :

1300 633 530

macarthur@ausure.com.au

Please note: you have been emailed a copy of this quote


Policy Coverage

The subject quotation is provided on the basis that the underwriting details provided above are true. If this is not entirely accurate please advise us immediately as the insurer can deny a claim due to your non-disclosure.

The subject quotation provides the following coverage:

Public and Products Liability

The insurer will cover your legal liability to pay compensation for:

  1. personal injury;
  2. property damage to property that is neither owned by or leased or rented to you or not in your physical and legal control;
  3. advertising injury;

which happens during the period of insurance and is caused by an occurrence in connection with your business within the geographical limit.

General Property (Tools)

The insurer will cover you for insured loss to any insured items anywhere in Australia up to the sum insured shown on your Insurance Certificate that occurs during the period of insurance.

General Property cannot be placed on its own, it must be written with the Liability.

Please review the Product Disclosure Statement carefully, ensuring the cover meets with your requirements. Please contact us immediately if any changes are required.


IMPORTANT NOTES:

Excess

Public & Products Liability: $500 each & every claim, costs inclusive.

General Property (Tools): $250 each & every claim, costs inclusive.


Major Exclusions

Public & Products Liability

  • Liability of contractors, sub-contractors and labour hire personnel
  • Fines & Penalties
  • Loss or damage to your own property
  • Professional Services
  • Defect in Design
  • Faulty Workmanship
  • Product Defects and Product Recall

General Property (Tools)

  • Mechanical, Electronic or Electrical Breakdown of items
  • Wear & Tear
  • Theft by employees

Notable Conditions

Subject to satisfactory answers to the following questions:

In the last five (5) years ever had any insurer decline any claim or proposal, cancel or refuse to renew a policy, or increase the premium or impose special conditions? 
In the last five (5) years ever been placed in receivership or liquidation or declared bankrupt or are you in the process of being declared bankrupt? 
In the last five (5) years been convicted of or had any fines or penalties imposed for any crime involving drugs, dishonesty, arson, theft, fraud or violence, or any other criminal offence?

If you answer yes to any of the above questions, we will need to refer to the underwriter for confirmation of the quotation (and the above quote is invalid).

- Subject to a satisfactory completed proposal form within 7 days of policy inception
- Subject to payment of the annual premium within 14 days of policy inception
- A Certificate of Currency will only be provided once payment has been made in full and the proposal form has been returned
Note certain endorsments may apply, click here

Ausure Insurance Brokers Macarthur Pty Ltd is a Corporate Representative (No:378691) of Ausure Pty Ltd T/As Ausure Insurance Brokers - AFSL: 238433. Any advice implied in this advertisement is general advice only. We have not taken into consideration your needs, objectives or personal circumstances. Before purchasing any insurance policy you should consider the Product Disclosure Statement which is available via this link or by contacting the Insurance Broker, Jarrod O’Brien on 1300 633 530.

Should you have any questions, wish to amend or wish to proceed with the attached quote please do not hesitate to contact Ausure Macarthur on 1300 633 530 or by return email.

Tradies Public Liability and Tools* Insurance Quote

(*available in addition to Public Liability policy)

Competative price

Reputable Global Insurer

Aussie Staff

Before renewal, we call you

 Claims handled persponally

Expert Insurance Advice

Who’s the insurer?

The online tradie quotes are issued by Hollard Insurance, who entered the Australian market in 1999 and have over 700,000 Australian clients and worldwide there are more than 7.2 million policy holders.

Hollard also cover:

What’s covered in the policy?

When you have a Public Liability insurance policy with Ausure, we protect you and you or your business against:

Legal Costs

Injury to a third party

Loss or damage togoods
in your care

Damage to third
party property

Employee Coverage

I’m a tradie, what type of insurance do I need?2019-10-31T01:48:55+00:00

At a minimum you should have Public & Products Liability insurance to protect you against claims by third parties for any damage you may cause to property, or injury caused to another person. If you are a company or have employees you will also need Workers Compensation to cover the medical & rehab costs associated with injury to employees, as well as their loss of earnings. If you are a sole trader or partnership, you would be wise to have a Personal Accident & Sickness policy to cover your loss of earnings in the event you cannot work. You may also consider covering your tools and any other portable property against loss or damage and obviously any motor vehicles or plant & machinery that you own.

Can you provide me with other insurance policies?2019-10-31T01:41:14+00:00

Yes, we are a full-service Australian business insurance broker. We can provide coverage for any and all occupations and all types of general insurance, including:
– Public & Products Liability
– Business Package / Property
– Industrial Special Risks
– Motor
– Workers Compensation
– General Property
– Management Liability
– Cyber
– Business Interruption
– Trade Credit
– Contract Works
– Breakdown
– Mobile Plant & Equipment
– Aviation
– Travel Insurance
– Professional Indemnity
– Tax Audit
– Statutory Liability
– Directors & Officers Liability
– Crime
– Employment Practices Liability
– Marine Transit
– Boat
– Money
– Errors & Omissions
– Intellectual Property
– And all others…

I’m a sole trader, do I need insurance?2019-10-31T01:40:49+00:00

Yes, definitely. You have the same exposure as a company, plus you can be held personally liable. At a minimum you should have Public & Products Liability insurance to protect you against claims by third parties for any damage you may cause to property, or injury caused to another person. If you have employees you will also need Workers Compensation to cover the medical & rehab costs associated with injury to employees, as well as their loss of earnings. If you do not have employees, you would be wise to have a Personal Accident & Sickness policy to cover your loss of earnings in the event you cannot work. You may also consider covering your tools and any other portable property against loss or damage and obviously any motor vehicles or plant & machinery that you own.

Are my tools covered?2019-10-31T01:40:31+00:00

Not under the Public & Products Liability insurance, which covers third party property damage only. You will need to take the additional Tools Insurance to cover loss or damage to your tools.

Are my employees covered if they cause damage to property or injure someone?2019-10-31T01:40:10+00:00

Yes, the policy extends to your employees, however not contractors, sub-contractors or labour hire personnel.

Am I covered for injury to my employees?2019-10-31T01:39:48+00:00

No, such coverage is provided under a Workers Compensation policy, which is required by law where you have employees (including working directors).

Am I covered if a change my business activities?2019-10-31T01:39:29+00:00

Any changes to your business activities must be approved by the underwriter in advance. You are covered for the business activities noted in your Schedule of Insurance. If you are to change your business activities, please call us beforehand.

Is there an excess I have to pay in the event of a claim?2019-10-31T01:39:12+00:00

Yes, the excess is $500 each & every event.

Are my sub-contractors covered?2019-10-31T01:38:43+00:00

No, the policy excludes liability of contractors and sub-contractors (also labour hire personnel you may hire into your business). You will be covered for your vicarious liability arising from the actions of these tradespersons, however the insurer will likely seek recovery from the negligent party. As such you should ensure that all contractors, sub-contractors and labour hire personnel you engage have their own Public & Products Liability and Workers Compensation insurance.

Can I change my policy limit at any time?2019-10-31T01:37:04+00:00

Yes, however an extra premium will likely apply.

Am I covered whilst working anywhere within Australia ?2019-10-31T01:47:41+00:00

Yes, the policy covers you whilst carrying out your business anywhere in Australia.

“We take the hard work out of getting the right cover”