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Electricians: A Guide to Public Liability

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The quick guide to public liability insurance for electricians

For electricians, Public Liability Insurance is absolutely essential due to the high risk nature of the work they undertake.  Public Liability Insurance protects you against any damage done to property or another person in the course of your work.  If you work as an electrician and inadvertently cause any damage, you may find yourself in a situation where you’re financially liable.
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Tradie Insurance

Insurance Do’s and Don’ts for Tradies when Working at Heights

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The dos and don’ts for Tradies When Working At Heights

Working at heights remains one of the biggest causes of fatalities and serious injury.  Unfortunately, it’s risky no matter how careful you are but there are certainly steps you can take to avoid injury.  People tend to think that construction workers are the main group that need to worry about heights but the truth is there are numerous tradies that put themselves at risk.

To avoid becoming a statistic, there are some simply steps to follow to ensure that you and your employees stay safe when working at height.
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Insurance for Carpenters

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Insurance needed for carpenters and tradies

If you’re a carpenter, there are a few insurance options for you to consider.  Working as a tradie carries some risks and, no matter how careful you are, things can go wrong.  Whether you run your own carpentry business with a number of employees, do regular work as a subcontractor or are self-employed in your own small business, you need to consider having a proper insurance package in place for peace of mind.
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Tradies and Builders- Financial Planning Tips

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Financial planning for tradies is extremely important and does not simply cover investments and retirement planning. As a tradesman or builder, when you are looking for a financial planner, look for someone that specialises in financial planning for tradesmen and who can help you with everything from tools of trade insurance and accounting to superannuation and your will. Read more

Income Protection Insurance for Tradies- Are You at Risk?

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Most tradesmen and builders fully appreciate the importance of taking care of their tools and equipment, but many forget to take care of their best asset – themselves. Tradies can benefit from a number of different types of tradies insurance, but one of the most important is income protection. It is not only a sensible idea, but in many places, income insurance for tradies is mandatory. Read more

Public Liability Insurance For Builders in Western Australia

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Builders Protection with Public Liability Insurance in WA

The number of building businesses in WA is growing and there is a need for businesses and individuals to protect themselves financially.  Public Liability Insurance is one of the most important forms of insurance for a huge range of WA businesses, no matter how small.

Public Liability Insurance can safeguard your building business from the financial risk of being found liable for damages to person or property.  For some WA businesses, it may be mandatory to take out Public Liability Insurance.  Other businesses take it out to make sure they have peace of mind.
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How Can Tradies Protect Against Accident and Illness?

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Personal Accident and Illness Insurance – Protection for Tradies?

Unfortunately, tradies often work in high risk areas and there is a very real risk of serious injuries through accidents.  Along with accidents, there is also the possibility that illness could strike and leave you unable to work.

If you rely on your work as your only source of income, what happens if you’re not able to work for a period of time?  Thankfully, Personal Accident and Illness Insurance can make sure you still receive an income during these times.
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Workers Compensation Insurance for Tradies!

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I’m Fine… I have Workers Compensation Insurance!

This is something that I hear from tradies a lot. And to be honest, this used to be the case where you were covered travelling to and from work, and of course whilst you were at work.

But did you know that Workers Compensation rules have recently changed? The changes mean that you are no longer covered travelling to and from work, and are only covered whilst you are at work.

It also means that the maximum duration in which you can claim Workers Compensation payments is for 2 years. So what happens if your injury is so bad that you can’t work for more than two years… or worse, can’t go back to work ever?
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Public Liability Insurance for Electricians

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Public liability Insurance is mandatory for most tradies- especially electricians in Australia!

Some tradies can choose if they want to take out Public Liability Insurance whilst for others, like electricians, it can be mandatory to have this insurance in place.

 

In some states of Australia, it is compulsory for electricians to have Public Liability Insurance in place before they are able to get their licence. For other electricians, they will need to have Public Liability Insurance in place before working for companies as subcontractors.

Either way, Public Liability Insurance is a serious consideration for electricians.
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Public Liability Insurance for Subcontractors

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When you’re working as a subcontractor, you’re generally going to be responsible for the financial cost of your own actions and often you won’t be covered by the insurance of the person or company who hired you.

For this reason, it’s not surprising that subcontractors are the main users of Public Liability Insurance.  A lot of tradesmen work as subcontractors and public liability insurance needs to be a major consideration.
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