TRADE INSURANCE
Trade insurance is designed to cover the needs of trade related businesses, such as plumbers, electricians and builders. We understand that your trade is your livelihood, and that you can’t afford to take unnecessary risks. Trade insurance covers you for risks such as fire, theft or accidents and public liability claims that can run into millions.
Some policies require you to take out a minimum number of covers under the policy. For more information on trade insurance or to obtain a quote, please contact us.
Trade insurance offers flexible coverage that can be tailored to suit your needs and protect your business against a range of contingencies such as:
FIRE & OTHER DAMAGES
Covers you for loss or damage to business contents and stock at your business premises for certain specified events such as fire, storm (but not flood), impact, lightning, explosion and earthquakes. Also included is the cost of removing debris.
ACCIDENTAL DAMAGE
Covers you for accidental loss or damage to the property insured at your business premises.
PUBLIC AND PRODUCTS LIABILITY
Following a violent and forced entry to your trade premises, burglary insurance covers you for theft of stock, electronic equipment and other business contents within your building.
BURGLARY
Cover for loss or damage to items of your choice anywhere in Australia including power tools, dumpy levels, mobile phones etc.
CONSTRUCTION
Covers you for theft or damage to contract work you do. Your policy also covers any accidental damage during maintenance work after a contract is finished, for a maximum period of 12 months. You can also cover your tools and equipment as well as the cost of demolition and/or removal of debris.
GOODS IN TRANSIT
Covers you for loss or damage to goods in transit caused by specified events such as collision, overturning, derailment, fire, explosion, or theft following forcible and violent entry to the vehicle; the damage to goods during loading and unloading can be added to the cover.
BUSINESS INTERRUPTION
Covers loss of income for your business as a result of insured damage that happens at the insured premises.
FRAUD AND DISHONESTY
Covers you for loss of money or goods as a result of an act of fraud or dishonesty committed by any of your employees.
GLASS BREAKAGE
Covers the breakage of external or internal glass and glass or plastic signs at your business premises.
MONEY
Covers you for loss of or damage to money which is kept in your building, in transit or at your private residence.
EQUIPMENT BREAKDOWN
Covers the cost of repairing electrical or mechanical machines for sudden and accidental breakdown. Business interruption is covered under this option provided that it is included in the overall cover of the policy.
TAX AUDIT
Covers you for professional fees that occur in connection with a tax audit.