As a plumber, you know your trade better than anyone, but in going about your day to day, with the number of things you have to get done, it can be very easy to overlook something and cause injury to someone, or damage someone’s property.
For example, you might leave a tool somewhere, and have a resident of the house trip over it as they rush to open the door. If this individual suffered a serious injury as a result of this fall, they could claim that your negligence led to this injury and take legal action against you. In today’s world, once you’ve been named in such a legal action, it can be difficult to navigate your way out of it without appropriate legal representation..
This is why insurance is an important consideration for plumbers, as it can help ensure you’re not faced with the high out of pocket costs associated with legal representation and compensation if you are held liable for any associated damages.
Tradies Insurance (or Tradespack) combines Public & Products Liability Insurance with cover for your tools, equipment & machinery. Public Liability Insurance covers you and your business if you’re held responsible for injury to a third party during the course of your work, or if your business activities cause damage to someone’s property. If a claim of injury or property damage is brought against you, the impact on your finances can be very draining.
Public Liability helps by covering* the cost of legal fees you incur in defending yourself, as well as compensation you may be required to pay in these instances. Depending on the sites you work on, some clients may even require you to hold this cover before they let you start on the job.
Under Tradespack, you can also choose to take out cover for your tools, equipment and machinery. This is an optional extra, and is designed to cover tools you might use as to run your business.
At HIA Insurance Services, we have worked with industry experts to deliver a Tradies Insurance package that caters to the specific risks faced by plumbers in their everyday job.
The Tradies Insurance we arrange includes the following benefits:
*Subject to the policy terms, limits and exclusions
© 2021 HIA Insurance Services Pty Ltd (ABN 84 076 460 967) is an authorised representative (no.275925) of Aon Risk Services Australia Limited (ABN 17 000 434 720 AFSL 241141) (HIAIS).
The HIA Insurance Services Tradies Insurance (Trades Pack) policy is arranged by HIAIS under a binder agreement on behalf of the insurance issuer, QBE Insurance (Australia) Ltd, ABN 78 003 191 035, AFSL 239545. When acting under a binder we will be acting as agent of the insurer and not as your agent. Our binder arrangements with the insurer are such that we remain your agent in the handling of any claim. If you purchase this insurance through HIAIS, HIAIS will receive a commission that is a percentage of the premium. Further information can be found in HIAIS’ Financial Services Guide or provided upon request.