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
Atlantic Insurance has been looking after the Insurance needs of Landscapers ranging from sole traders through to National entities responsible for beautification and infrastructure projects attaching to some of Australia’s largest freeway developments for the past 25 years.
We find no two Businesses are alike in this space and there is a need for a careful detailed analysis in determining the appropriate Insurance solution for each.
Access to a Client Manager that has specialist knowledge and skills in arranging Insurance solutions for Landscapers.
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
There is no doubt a Public Liability and Products Liability policy is must for Landscapers as any plant or machinery by nature lends itself to the risk of potential property damage or even worse, personal injury for which you could be deemed negligent. Other Insurances Landscapers could consider include specialist Plant and Machinery covers inclusive of hired-in plant provisions should it be required. Coverage can also extend to include those registered and non-registered items owned by the Business.
Along with Public Liability and Contract Works Insurance Policies, a Management Liability policy is also becoming a more common Insurance purchase by Landscapers employing a labour force. Not only does this provides the Owners of the Business with a level of protection via the Director and Officers cover, it also contains provisions to assist in instances of potential Employment Practices Liability claims and potential breaches of Occupational health and safety regulations which often remain undiscovered until after a claim and the intervention of a regulatory authority.
Click below to find out more information on some of the common policies that we discuss with our Landscaper clients.
The size of the entity does warrant careful consideration in assessing the Insurance requirements of your business. Many Landscapers have a large workforce consisting of both employees and specialist contractors to achieve the desired end result for their client. There are some basic processes that can be put in place to manage the exposure associated with the employment of contractors. In a perfect world each legal entity should carry their own insurances however the reality is, they don’t, which can leave you exposed in a claim event.
Incidents involving workplace injury are being closely examined and are becoming more commonly involved in legal proceedings. There are steps and processes a Business can integrate into its day to day practices that can assist with this consideration. It is not always simply a case of transferring the risk to an Insurer as this will always come at a cost. There are often things a business can integrate to also effectively manage risk.
ATLANTIC INSURANCE
6 Monomeeth Drive,
Mitcham, VIC 3132
03 9836 3733
