Wednesday, 30 November 2016

What insurance does a make-up artist need?

You will need a Public and Products Liability policy if you are a make-up artist.  It is very important to check your policy coverage though, to ensure there is a treatment risk extension on the policy.  The coverage afforded under this extension varies by insurer, so you will need to read it very carefully to ensure it covers the application of make-up. 

You may also want to consider covering your makeup kit if you are a mobile artist – as this would most likely be very expensive to replace if it were stolen from your vehicle.

If you have employees, or use subcontractors, you will need to cover them for Workers Compensation.  Depending on your business structure, you may be able to cover yourself on the Workers Compensation policy – or if you're unable to do so, you may consider an Income Protection or Personal Accident and Illness policy.
For more information or a free quote, call Westralian Insurance today - (08) 9302 1388, or visit

Wednesday, 16 November 2016

What insurance does a builder need?

The most important policy for a builder to carry is Public Liability.  This covers third party property damage and personal injury.

Builders always come into contact with the public and are often on third party property, so Public Liability claims are frequent.

Tools are also important to insure for their full replacement value.  Without their tools, builders are unable to work so covering them (especially against theft) is vitally important.

Workers Compensation is a statutory requirement for builders who employ others.  Many construction companies will not allow builders on-site without adequate Public Liability and Workers Compensation insurance.

Finally, Contract Works is another policy that builders should consider.  It covers a building contract during the construction phase and can include all tools and materials on-site.

There's a lot to consider as a builder and Westralian Insurance can help!  Call us today on (08) 9302 1388 or visit