Tradies Insurance (also known as Trades Pack Insurance) helps protects carpenters, electricians, plumbers, bricklayers and other trades professionals when things go wrong on a worksite – and after the work has been completed. It incorporates Public & Product Liability, which can provide cover if tradies are found to be legally responsible for personal injury to a third party or damage to their property.
Tradies Insurance can provide cover for risks associated with being found liable for injury or damage to property during a construction project (Public Liability). It can also cover incidents which occur after the work has been completed (Product Liability) and can extend to provide optional cover for portable items that tradies carry with them, such as tools, mobile phones and other equipment (Tools of trade cover).1
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Tradies face a number of risks that they need to protect themselves against. Causing serious injury or death to someone as a result of their work practices, or damaging someone’s property, can lead to expensive claim costs and damage to a business’s reputation. It can even force that business to cease trading.
It’s important that your business considers Public & Product Liability insurance to help protect you against these risks. The majority of businesses understand this need and require their subcontractors to take out this cover before they begin work on a site.
Including optional General Property cover in your Tradies Insurance can also help avoid the expense of replacing lost, damaged or stolen tools and other essential portable equipment.
Every business has different requirements when it comes to how much Public Liability Insurance cover it needs. HIA Insurance Services offers the following levels of Public Liability cover:
The amount of optional tool cover required can also be specified up to an amount of $30,000.
Tradies Insurance is tailored to the needs commonly faced by tradie workers and helps provides cover for them while on the job and after work has been completed. Among the inclusions are1:
HIA Insurance Services (HIAIS) combines the construction industry expertise of the Housing Industry Association (HIA) with the risk and insurance knowledge of Aon to provide specialist products and advice to the residential construction industry.
We understand the unique risk exposures of carpenters, concreters, bricklayers, painters and other trades. As one of the largest and most experienced insurance providers in the country, HIAIS is ideally placed to offer Tradies Insurance policies tailored for risks commonly found in the construction sector, as well as efficient insurance claims processes.
1 Subject to the full terms, conditions and limits of the applicable policy wording.
2 Hunter Premium Funding is a third party independent of HIA insurance Services, however HIA Insurance Services will receive a commission if you pay for your policy through a premium finding agreement with them.