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 requirements differ from state to state in Australia. Atlantic can help to coordinate insurance to cover your employees against injury at work.
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.
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.
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.
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.
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.
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.
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.
The Warranty in your policy provides protection against the costs of rectifying defective workmanship only for 6 years. This warranty does not provide 6 years of cover for personal injury or damage to a premises caused as a result of these defective works. To cover this risk we are able to arrange a “Run-Off” cover which can be kept in place for as long as you think necessary and is negotiated for a substantially reduced premium
Bricklayers or Brickies as they are more commonly known require specialist Insurance advice by an experienced Client Manager who understands your Trade. Atlantic Insurance has been looking after Bricklayers for many years and our experienced Client Managers can provide specialist advice on all aspects of your Insurance Program.
What many Bricklayers do not know is that not all Public Liability Insurance Policies provide the same level of cover with many policies significantly reducing cover via endorsements for working at height, around underground services and in some cases when subcontractors are used.
Our experienced Client Managers will be able to clearly explain any endorsements leading to a reduction in cover and provide solutions with less onerous policy conditions if required. Speak with us today.
Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre
Access to a wide range of products and insurers for all classes
Unique policy endorsements available for Hired in Plant/Equipment
Monthly premiums available
Brickies have an obvious need for Public Liability cover which will provide coverage for Property Damage and Bodily Injury following negligence however cover for Tools and Equipment and Personal Accident and Illness are both big considerations. If your Concrete Mixer, Tools and Equipment were stolen a Tools / Equipment Policy could provide coverage to replace these items. Likewise, your physical ability to undertake the manual work required to lay bricks is what enables you to earn an income. An Accident and Illness Policy can provide coverage to protect your income in the event of an Accident or Illness. Click below to find out more information on some of the common policies that we discuss with our Bricklayer Clients.
Bricklayers have an obvious need for Public Liability coverage however the application of a Personal Accident and Illness Policy is often misunderstood. Many General Insurance products provide high weekly benefits for Income however are then adjusted at claim time when proof of income is requested. Atlantic Insurance works closely with an insurer who 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)
Careful consideration needs to be given to the limit of indemnity selected for Public and Products Liability Policies. Bricklayers have a Products Liability exposure once work has been completed and a claim may not occur for many years. A Policy limit of $5,000,000 or $10,000,000 may no longer be adequate and higher limits should be considered. Our experienced Client Managers can provide multiple Policy Limit options to enable you to make an informed decision.
ATLANTIC INSURANCE
6 Monomeeth Drive,
Mitcham, VIC 3132
03 9836 3733
