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Essential Insurance for Tradies

Whether you are just starting out or have been working as a tradesperson for years, you can never underestimate the importance of insurance. It is essential for tradies to have some form of insurance to help protect themselves against being left financially vulnerable in the face of an unexpected event such as an accident, illness or being sued by a customer or business associate.

Income protection insurance is one of the key types of insurance that tradies in all professions should consider. Many tradespeople are self-employed or work as contractors and this means not getting the sickness benefits that regular full time employees tend to enjoy. It is wise to protect yourself with additional insurance, just in case you have an accident or are diagnosed with a serious illness, which prevents you continuing in your regular occupation. Income protection insurance can pay benefits of up to 75% of your regular salary, which could make a significant difference to the lifestyle of you and your family in the event of an accident or illness that renders you unable to work.

Public liability insurance is another essential form of insurance that all tradies should have and it is often mandatory before entering a work site. Public liability insurance helps cover you for the costs of any property damage or injury to another person that happens in the course of your work which is found to be your fault. The typical amount of cover that tradies are required to have is around $5 million, but this amount can vary depending on the scope of the project you are working on and the considered risks of the job you are doing.

Whatever your situation as a tradie, when it comes to insurance it is a good idea to get the best advice, so you can find the right policy for your situation. Contact one of our advisors today!

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More Information on Income Protection or Get Income Protection Insurance Quotes

 

 


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