CARPENTERS & CABINET MAKERS INSURANCE
OUR EXPERIENCE WITH CARPENTERS & CABINET MAKERS
Atlantic has been looking after the Insurance needs of Carpenters (Chippy’s) and their associated trades for over 25 years.
Whether they be furniture makers, cabinet makers or general carpenters to be successful in the current climate we find most tend to be skilled craftsmen which are in high demand. As a result of this we have seen a push for Carpenters to establish themselves as contractors providing them the opportunity to drive their own destiny and build their own Business. Inherent in this consideration is the assessment of risk.
ATLANTIC CARPENTER AND CABINET MAKERS INSURANCE SERVICES & ADVANTAGES
- Access to a Client Manager that has specialist knowledge and skills in arranging Insurance solutions for Tradespeople.
- Monthly premiums available
- Access to a wide range of products and insurers for all classes
- Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre
CARPENTERS COVERAGE CONSIDERATIONS
A Public Liability and Products Liability policy is an absolute must for any Carpenter or Chippy. The nature of the work, tools involved and worksites attended does expose Carpenters to claims of potential property damage or even worse, personal injury for which they could be deemed negligent.
In addition to a Public and Products Liability policy there a number of other Insurances a Carpenter could consider including a Tools of Trade Insurance Policy to cover items whilst away from the Business premises, in a locked vehicle or onsite overnight. A Commercial Motor Vehicle Insurance Policy is relevant along with personal accident and illness covers to help protect income in the case of an injury.
Click below to find out more information on some of the common policies that we discuss with our Carpenter and Chippy clients.
Income Protection
Insurance
Income Protection
Insurance
Your ability to earn an income is likely your biggest asset requiring protection. Through our association with Atlantic Financial Services, we can provide advice on a range of personal risk insurances, including Income Protection and Life Insurance.
Workers Compensation
Insurance
Workers Compensation
Insurance
Workers Compensation requirements differ from state to state in Australia. Atlantic can help to coordinate insurance to cover your employees against injury at work.
Goods In Transit
Insurance
Goods In Transit
Insurance
If you import stock or materials we can assist with a Transit policy that will protect the carriage of your goods for imports, exports and local transit by air, road, rail and sea. We can also arrange cover for these goods whilst in storage or for transit of customers goods.
Management
Liability Insurance
Management
Liability Insurance
We recommend that all of our trades clients consider a Management Liability policy. This protects the Directors, Officers and Employees of your Company against claims arising from negligence in the performance of their duties. Covers include Directors and Officers Liability, Employment Practices Liability, Crime, Statutory Liability and many more.
Construction Insurance
Construction Insurance
With many clients in the Construction Industry, Atlantic are experts at providing cover for Contract Works, including cover for both Material Damage and Public and Products Liability. Our policies can also be extended to include cover for materials in transit, display homes and other unique building risks.
Plant &
Machinery
Plant &
Machinery
Many Tradies own Plant and Machinery such as excavators, bobcats, skid steers and forklifts. We offer a range of policies to cover these items for Theft and Damage along with Third Party Liability if these items are registered.
Commercial Motor
Insurance
Commercial Motor
Insurance
We are experienced in organising both single Commercial Motor policies and Commercial Motor Fleet policies if your business operates a fleet of vehicles, which can be extended to cover automatic additions and deletions, free windscreen, along with other benefits.These policies provide protection for your vehicles, including own damage and third party property damage.
Business / Factory
Insurance
Business / Factory
Insurance
If you own or lease a factory or warehouse, we can organise cover for your Buildings, Stock and Contents for risks such as Fire, Accidental Damage, Malicious Damage, Water Damage, Impact, Business Interruption, Theft and Glass Breakage.
Tax Audit
Insurance
Tax Audit
Insurance
The ATO continue to target self-employed tradie’s for tax audit. Atlantic can set up a policy that will cover your tax audit expenses in the event you are audited by the ATO or other government agencies.
Injury & Illness
Insurance
Injury & Illness
Insurance
If you require a more basic coverage to protect your income, Atlantic can assist with Injury and Illness Insurance, with benefit periods up to 5 years and waiting periods as low as 2 weeks.
Tools
Insurance
Tools
Insurance
If your tools were stolen, how would continue to work? We offer a range of policies that will cover your tools for either accidental loss and damage or limited to theft following forcible and violent entry. Premiums are competitive and will ensure you can get back to work ASAP.
CHIPPYS & CARPENTERS RISK – OUR OBSERVATIONS
With the Building and property development industries continuing to boom we are seeing an increase in litigation directed towards our clients involving workplace accidents or injuries. There has never been a more important time to assess your insurance coverage to ensure you are protected. In-line with this we are seeing many trades, both large and small becoming subject to onerous insurance contract conditions. Atlantic can assist in highlighting your exposure in these areas and arranging suitable covers if required.
CURRENT CLAIMS LANDSCAPE
As a Carpenters business grows there may be a need to establish a Business Premises from which to conduct the operations. This raises issues around Insurance covers required under lease and also things such as establishing dangerous goods storage cabinets for solvents, thinners paint and the like. Storage of bulk raw materials in general which due to the high fire load is often a cause for concern with Insurers however if left undeclared can lead to insurers limiting cover in the event of a claim. At Atlantic, we can assist with risk management suggestions in this instance which helps in negotiations with potential Insurers.
