Business Liability Insurance

Being a tradie is hard work. There’s a lot of pressure on you to get it right. And as awesome as we know you are, sometimes you stuff up. Besides you’re only human. So… why do you need insurance? As a tradie, you’re more likely than any other industry to get a public liability claim against you. Constantly working on other people’s properties or sites means that if you accidentally break something – you’re responsible for it. If you need to defend yourself in court, this cover will pay for reasonable costs that arise from this. But only if the action you’re defending has been proven. Plus, when it comes to bidding for those big projects you need insurance in place to be considered for the job.

You deal with people every day. Customers are your thing. And so is their health and safety. Accidents do happen and they’re often out of your control. However, as the owner, these accidents become your problem which is why you need State Business Liability Cover. You’ll also be covered if one of your employees gets injured on the job and is not covered by ACC.

There tends to be a lot of breaks in hospo. And not only the welcome ones. Among the breaks are other things you don’t see coming – those accidents that you may not think you’re legally responsible for, but indeed you are. These incidents can range from a waiter accidentally spilling coffee or hot food on a customer to one of your own staff being injured on the premises.

Making others feel good is a talent. You’re in the business of transforming others. Making them feel valued. It’s a competitive industry and your reputation is everything. That’s why you need liability insurance. Liability insurance will protect you if one of your customers is injured or has their property damaged at your salon. It will cover trips, spills and accidents caused by your salon equipment.

As a mechanic, the bulk of your business is dealing with people’s rides that they’ve left in your care. You face the risk of legal action being taken against you if you accidentally cause injury to a person or damage to their property while you’re doing business.