A GUIDE TO TRADESMAN'S INSURANCE

People are our most valuable asset. So this insurance deals with personal injury, property damage and legal fees in the event of your business being held legally liable. It can also protect you from liability to the public from products you produce or sell.

Look after your employees who may be injured by accident or industrial diseases during their employment. They are legally entitled to compensation under various Workers Compensation statutes. Acts in each state and territory in Australia require employers to maintain compulsory, no fault insurance to cover their legal liability.

This deals with losses while on site. That could mean material lost or damaged, the removal of debris, expediting expenses, professional fees, damage to existing structures, plant tools and equipment whilst on site. Public Liability insurance is also part of the package.

Look after your most valuable asset: your people. This cover provides weekly and lump sum benefits for accidental death, injury or illness to a specified person or persons.

Imagine turning up on site and damaging a client's home or vehicle. This insurance deals with buildings, contents and covers fire, storm, ‘tempests' (extreme storms) impact, malicious damage, including automatic accidental damage and provides full replacement cover.

With this cover, you'll be reimbursed for losses due to visible forced and violent entry into your premises, even people hiding in your premises and persons who threaten or use violence.

Deals with loss or damage to specified property â€" normally portable items - which are not covered by the insurance cover you have on your premises.

Also known as ‘Marine Cargo Insurance', if you ship or transport goods, you need this to protect cargo in transit between locations. You've a choice of cover for Inland or Overseas, travelling by land, air or sea.

A call from the tax man or other government agencies can bring significant expense. Tax Audit Insurance covers fees charged by accountants or other professionals and costs for obtaining expert advice during a Taxation Office audit or investigation by other government authorities.

For most tradies, a vehicle is an integral part of staying in business. So Rose Stanton can cover your car, truck or ute with:
- Comprehensive ‘own damage' and third party property damage insurance
- Third Party Property Damage plus Fire & Theft
- Third Party Property Damage only
- CTP insurance at competitive rates