Business insurance for gardeners?

Business insurance for gardeners usually comprises of Public Liability cover and Tools of Trade for hand tools, mowers etc.

Like any small business, it pays to speak with a fully qualified, insurance professional when if comes to arranging insurance for your gardening business.

An insurance broker will take the time to fully understand your business, including your needs and objectives.  Every small business is different, so a broker will tailor an insurance program to suit.

They'll also answer any questions you have, and manage any claims in the future.  

Westralian Insurance are here to help.  Call (08) 9302 1388, or visit www.westralianinsurance.com.au today!

Do I need insurance for a trailer?

A trailer is essentially a motor vehicle and therefore you should take out Comprehensive Motor insurance to cover it.  This will cover any damage to the trailer itself in the event of an accident, and will also cover third party costs in the event of an at-fault claim.

For more information, or an obligation free quote, call the friendly professionals at Westralian Insurance, on (08) 9302 1388, or visit www.westralianinsurance.com.au

Business insurance for lawn mowers?

Business insurance for lawn mowers can also be referred to as trades insurance. The policies normally cover public liability and gardening equipment such as mowers and can often be extended to cover work vehicles.

If you've got your own lawnmowing business, or planning on purchasing one, chat to the friendly and knowledgeable professionals today!  Call Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au

Business insurance for tradies?

Business insurance for tradies is very similar to business insurance for other types of companies or individuals. Often referred to as 'trades packs', business insurance for tradies usually includes public liability, tools of trade and commercial motor vehicle insurance.

Westralian Insurance understands tradies.  Our dedicated team will assist with all your paperwork, provide fast Certificate of Currencies, and manage any claims.

For a tailor made business insurance solution for your business, call the friendly professionals today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I need insurance for my trailer?

Motor insurance is required for a road registered trailer, which can either be comprehensive, third party fire and theft or third party property damage only.

Often, trailers contain tools or other expensive, hard to replace items, so it pays to ensure they are also protected.

For more information or an obligation free quote, contact the friendly staff at Westralian Insurance.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au

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 www.westralianinsurance.com.au

What are the insurance must-haves for bricklayers?

 

A bricklayer’s primary must-have policy is Public Liability, which covers third party personal injury or damage to property during the course of their manual labouring work. 

 

Bricklayers should also consider insuring their Tools of Trade anywhere in Australia.  A good Tools of Trade policy will include theft from the open air and theft from unattended motor vehicles which is a common occurrence in the construction industry.

 

Workers Compensation insurance must also be taken out for any bricklayers with employees.  Bricklayers should also include any sole trader subcontractors who work for them, under their Workers Compensation policy, as sole traders are not able to obtain Workers Compensation for themselves.

 

There's a lot to think about!  For more information, or an obligation free insurance review of your business, contact the knowledgeable and friendly staff at Westralian Insurance on (08) 9302 1388...or visit www.westralianinsurance.com.au

 

 

What insurance does a painter need?

A painter would need Public Liability as they are frequently coming into contact with the public so they are at risk of damaging third party property or injuring someone.

Tools of Trade insurance is also important to cover theft or loss of tools. Commercial Motor and Trailer insurance is common for painters.  Workers Compensation is also a legal requirement for any painters with employees or subcontractors.

For more information on business insurance for tradies of all shapes and sizes, contact the friendly professionals at Westralian Insurance.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au

What insurance do I need for my plumbing business?

Most importantly, you will need a Public and Products Liability policy to cover your activities as a Plumber.  You will find that most policies have a limitation on underground services claims – this means that you need to dial before you dig and check the location of underground pipes and cables before carrying out any excavation work.  If you don’t check prior to commencing works, you may find that a subsequent claim will be declined.

Secondly, you want to ensure that you have coverage for your tools.  A good insurance policy should cover your tools for Fire, Damage in a collision and Theft from a locked vehicle or premise.  It is also possible to have the Theft cover extended to include Theft in the Open Air if you wish.

If you engage any employees or subcontractors, there is a requirement by law to cover them for Workers Compensation.

Income Protection or Personal Accident and Illness cover is also recommended.

For more information, call Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au

What insurance do tradies need?

Tradies need Public Liability insurance, in order to cover claims for third party property damage and personal injury.  Some Public Liability policies can also be extended to provide Australia-wide cover for Tools of Trade.  Workers Compensation is a legal requirement for any tradies with employees or subcontractors.  

Some tradies may also need Builders Warranty if they work on residential construction projects valued at $20,000 or more.  Work vehicles, utes, plant and equipment can also be included on certain policies for tradies, or insured separately.

If you're a tradie and have insurance questions which need answering, we can help!  We'll take the time to review your business requirements, explain the different types of insurance available, and ensure you're fully covered, so you can get on with running your business.

Call our locally owned and operated office today, on (08) 9302 1388, or visit www.westralianinsurance.com.au

 

Business insurance for carpenters?  

A carpenter’s primary must-have policy is public liability, covering third party personal injury or damage to property during the course of their work.  They should also consider insuring their tools of trade anywhere in Australia.  A good tools policy will include theft from the open air and theft from unattended motor vehicles, which is a common occurrence in the construction industry. 

Workers Compensation insurance must also be taken out for any carpenters with employees.  Carpenters should also include any sole trader subcontractors who work for them under their Workers Compensation policy, as sole traders are not able to obtain Workers Compensation for themselves.

If you're a carpenter, or a tradie of any kind, Westralian Insurance can help with your insurance needs, and answer any questions you may have.  Call the friendly professionals today on (08) 9302 1388, or visit www.westralianinsurance.com.au