The Main Risk for “Tradies” is their Public Liability exposure and secondly, their General Property (Tools of Trade) risks. Some occupations such as Electricians have even more requirements if they are working in Queensland
However, a Tradesman may not just be working from home. They may have a depot with office staff or perhaps a workshop in an Industrial area, so need to cover themselves for Fire and other perils (such as Storm, Vandalism, Flood), Burglary, Glass or Machinery Breakdown. A Trades Pack policy may be needed for adequate protection
They may also have commercial vehicles and trailers to carry their tools of trade around in. These could be big vehicles or mobile plant and equipment, depending on their vocation.
They may be in the Construction game and find themselves responsible for the Contract Works exposure. That is Fire and other perils at the work site as well as the liability risk for the unfinished work.
It all depends on what your activities are and how you operate and at CPR Insurance Services, we can assist in determining all your Insurance needs and Risk Management requirements. So call us now if you need help!
CPR Insurance – Experts who will save you!
Click here for more about these sections of a Trades Package policy