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 have been looking after the Insurance needs of Roofers for many years.
Roofers activities can vary greatly with some businesses specialists at restoring Tile Roofs, others concentrating on renovations and in many situations offering Roofing services in line with Plumbing activities and guidelines.
Where your roofing activities include the requirement to provide a Plumbers Compliance Certificate in Victoria, Atlantic’s experience servicing the needs of Plumbers for over 25 years is extremely valuable. Your Insurance requirements will be very specific and will require an endorsement to meet the Ministerial Order.
Whether you require a compliant Plumbers Liability Policy which incorporates Roofing Activities, are a Licenced Plumber or an expert in renovating Roofs Atlantic Trades Insurance can assist you.
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
Plumbers Ministerial Order endorsement where required
Monthly premiums available at no additional cost
Competitive Premiums
No paperwork to complete
Whilst Public Liability and whether the Plumbers Ministerial Order endorsement is required is a very important coverage consideration there are many other Insurances a Roofing Business will need to consider. This includes cover for Tools of Trade, your Motor Vehicles, Plant & Machinery or even Contract Works if you are responsible for the Materials being used to install / repair the Roof. Click below to find out more information on some of the common policies that we discuss with Roofing Clients.
Where a Plumbing Licence is required for Roofers, whilst the CPL (Consumer Protection Liability) of a Victorian Plumbers Liability Policy does provide a level of protection for the consumer, it is an area Insurers have become increasingly mindful of during the past 10 years where property development and home renovations have taken-off. Inevitably this surge in activity is leading to an increase in claims activity. The reality is that issuing a compliance certificate for works undertaken does become a means from which the consumer can liaise with the VBA and secure the details of the Plumber and ultimately lodge a claim against their Plumbers Liability Policy.
A Roofers Public Liability Policy is designed to provide coverage for you and your business in the event that a third party suffers a personal injury or damage to their property as result of your negligence.
Insurers currently have a particular focus on Plumbers, Roofers and other Trades working at heights both internally within unit / apartment complexes and also externally on Roofs. Many insurers have started including exclusions and endorsements for businesses working above two stories in height and particular attention needs to be given to these exclusions and endorsements to ensure there is an understanding of how they will apply should a claim arise. Speak with one of our experienced Client Managers who will be able to assist.
ATLANTIC INSURANCE
6 Monomeeth Drive,
Mitcham, VIC 3132
03 9836 3733
