PLASTERERS INSURANCE
OUR EXPERIENCE WITH PLASTERERS
The installation of Plaster is a specialist job often requiring specialist skills and installation apparatus to minimise the risk to Buildings, other trades and members of the general public. Atlantic has been looking after the Insurance needs of Plasterers for the past 25 years and during that time we have seen enough claims to know that for a nominal investment, a Public Liability Policy can provide an invaluable level of protection.
As is the case with most Public Liability covers, the scale of the Business, level of cover required, working environment whether it be domestic or large scale commercial and past claim history are all factors considered by Insurers in calculating a premium. Furthermore, there are certain Insurers that have experienced significant claims in this area and as a result offer increased premiums. This is where dealing with a Broker experienced in Trades ensures the most appropriate Insurers are approached to secure the most competitive premiums without compromising on cover.
ATLANTIC PLASTERERS INSURANCE SERVICES & ADVANTAGES
- Access to a Client Manager that has specialist knowledge and skills in arranging Insurance solutions for Plasterers.
- Where possible, we find an onsite visit is better to understand your risk can be advantageous
- 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
PLASTERERS COVERAGE CONSIDERATIONS
In additional to a Public Liability Policy other Insurances a Plasterer may also consider include a Tools of Trade Cover attaching to your Tools and equipment along with a Commercial Motor Vehicle policy for Company Cars and Trailers. Click below to find out more information on some of the common policies that we discuss with our Plasterer 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.
PLASTERERS RISK – OUR OBSERVATIONS
Whilst most Plasterers understand the importance of a Public Liability and Tools Insurance Policy what is often misunderstood is the value of insuring your most valuable asset, the ability to protect your income in the event of an Accident or Injury. The Personal Accident and Illness Insurer we have partnered with for Plasterers can provide up to a $1,300 weekly benefit at an agreed value with no proof of income required. Our experienced Client Managers will be able to explain the options available further following a conversation and needs analysis. (please note the above does not consider your individual needs or financial situation and may not suit your personal objectives or circumstances. For full details of the terms, conditions and limitations before making any decision about whether to proceed with the cover, we will refer you to the policy wordings and/or Product Disclosure Statements available on our website or upon request)
CURRENT CLAIMS LANDSCAPE
Incidents involving workplace injury are being closely examined and now commonly involve legal proceedings. The Building Industry is under significant pressure with issues around product supply, labour shortages and dissolving margins all impacting the ability to deliver works on-time. What was once a clear sequence of events is no-longer the case and trades are crossing over and quality of work is being impacted as is the overall risk on a jobsite. Whilst the Public and Products Liability cover provides cover in instances of third party property damage or personal Injury as a result of your negligence, many of these policies now contain significant excesses for scenarios such as ‘worker to worker’ claims which you need to understand. Afterall an excess of $25,000 can be a significant impost on a business and needs to be clearly explained to help you manage your risk in these areas. This is where speaking with one of our Trades Specialist Client Managers can add significant value to your business.
