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

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 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

 

Do I have to cover Sub-Contractors?

It is a legal requirement to have a Workers Compensation policy in place, if you are employing or using Sub-Contractors, unless the Sub-Contractors have their own Workers Compensation policy in place.

A Sole Trader is unable to take out a policy to cover themselves, so any Sole Trader Sub-Contractors will not be able to have their own policy, therefore it is your responsibility to have a policy in place, to cover them whilst they perform work on your behalf.

Westralian Insurance are here to help.  For more information, or to answer any queries you may have, call the friendly professionals at Westralian Insurance today, on (08) 9302 1388 or visit www.westralianinsurance.com.au