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

 

When should I get insurance? 

You should consider purchasing insurance as soon as practically possible.  If you are starting a business, you should put insurance in place before you start trading.  If you are purchasing a house or car or any business equipment, then you should insure the asset prior to purchase.  Purchasing an insurance policy should be a top priority on your to-do-list.  It’s too late to insure a house if it’s already on fire!

If you're looking to start your own business, you're bound to need insurance - to protect your most important assets and mitigate your business risks.

Chat with an insurance professional today.  Call Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au

 

Do I need insurance for my business?

If your business employs anyone, then Workers Compensation insurance is a legal requirement.  This covers replacement wages and medical expenses for an injured worker, in the event of a work-related injury or illness. 

Public Liability is also very important for businesses in order to cover claims for third party property damage or personal injury.  An injury or property damage allegation by a third party could be disastrous for a business that’s trading without Public Liability insurance. 

The physical assets of the business should also be insured under a Business Package policy which can cover contents, stock, theft, glass, machinery breakdown and business interruption amongst others.

Westralian Insurance is here to help, with fully qualified, professional and friendly staff, alongside a vast knowledge of the West Australian market.

Call Westralian Insurance today on (08) 9302 1388, or visit www.westralianinsurance.com.au

Do I need insurance when building a house?

It’s a good idea to consider Owner Builders insurance when building a new house. Owner Builders Insurance includes cover for the entire construction period, including the tools and materials on site, plus Public Liability for third party property damage and personal injury claims. Workers Compensation cover for the contractors working on site is also a legal requirement.

You've got more than enough to think about when building a house!  So when it comes to insurance cover, call the friendly professionals at Westralian Insurance.  We'll review your individual building project and design an integrated insurance solution to suit your needs.

Call (08) 9302 1388 today, or visit www.westralianinsurance.com.au

  

What insurance do I need as a sole trader?

The type of insurance you will require as a sole trader will vary, and depend on your occupation.  For example, are you a mobile tradesman, a salesperson or do you own a business premise?  Are you a property owner, importer/exporter or a professional providing specialist advice?  The list of potential insurance policies you may require, based on your individual circumstances, is exhaustive.  It is best that you speak with an expert insurance broker to ascertain which policies you should consider, when protecting yourself and your business. 

 

Westralian Insurance would love to help!  Call one of our professional and friendly, full qualified insurance brokers on (08) 9302 1388 or visit www.westralianinsurance.com.au today!

 

What are the types of business insurance?

There are many types of business insurance, and most can be included on a 'business package' policy, in order to reduce cost and increase efficiency.  Some of the many types of business insurance include contents, buildings, stock, machinery breakdown, theft, glass, public liability and professional indemnity amongst others.

When deciding what's right for your business, it's best to speak with a fully qualified insurance broker.  Call the friendly, local professionals at Westralian Insurance today, on (08) 9302 1388 or visit www.westralianinsurance.com.au

What is Business Interruption insurance?

Business interruption cover is designed to replace the income of a business in the event of a loss that renders them unable to trade.  It can be calculated on the turnover or gross profit of the business and it is usually triggered by a material damage claim such as a fire or storm, which prevents the business from trading temporarily.  The property damage claim is covered separately and the business interruption cover is usually engaged afterwards in order to replace the income caused by the interruption in normal trade.

If you have business insurance questions or need insurance, Westralian Insurance can help.  Our professional and friendly staff are full qualified and here to help.  Call (08) 9302 1388 or visit www.westralianinsurance.com.au