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 Tree Loppers for many years.
Viewed as a high risk industry by most insurers, working with an Insurance Broker and more importantly an experienced Client Manager who understands the unique risks that Tree Loppers face is extremely important.
Whilst most mainstream insurers will not entertain providing Public Liability cover for Tree Loppers regardless of their experience and past claims history, Atlantic Insurance has partnered with an Insurer who takes a more measured approach providing appropriate risk management precautions are in place. Careful consideration needs to be given to height limit exclusions contained within some policies along with ensuring an adequate Public Liability limit of indemnity considering the outcome of any accident could lead to high property damage and bodily injury costs.
Monthly premiums available
Access to an insurer that Atlantic have partnered with to provide coverage for Tree Loppers
Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre
Whilst Public Liability cover is extremely important for Tree Loppers there are many other Policy Classes that are especially relevant. Often Tree Loppers will own and operate expensive Plant and Equipment including Mulchers, Saws, Grinders and Trucks. This is in addition to high value mobile Equipment including Chain-Saws, Harnesses and Splitters. It is important that these items are covered away from your Yard for theft or damage. Particular attention also needs to be given to Statutory Liability, Personal Accident and Illness and Directors and Officers Liability. Click below to find out more information on some of the common policies that we discuss with our Tree Lopper Clients.
The obvious risk that Tree Loppers face is a claim against Property Damage or Bodily Injury following a tree felling incident however with changes in many Australian States there are now significant laws in place that could be applied for workplace manslaughter putting Directors and owners of Tree Lopping businesses in line for personal costs and damages that are often not covered under a Public Liability Policy. Whilst insurers are now limited on the coverage they can provide for fines and penalties, defence costs against some actions may be coverable. Speak with one of our experienced Client Managers who will be able to provide advice on the covers available for Tree Loppers.
Many of our Clients are currently experiencing a difficulty in replacing specialist Plant and Equipment following Theft or Damage following a long lead time by manufacturers and a shortage of replacement equipment. It is important that you understand the basis of coverage for this equipment under your policy. Is your equipment covered for Replacement Value, Market Value or Agreed Value and what are the differences in this cover? Our experienced Client Managers will be able to guide you on the best way to calculate the sum insured required.
ATLANTIC INSURANCE
6 Monomeeth Drive,
Mitcham, VIC 3132
03 9836 3733
