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Considering Business Insurance? Risks Carpenters Can Protect With the Right Cover
Posted: Dec 08, 2018
Every day, carpenters across Australia tackle projects they need to complete and fail to consider any risks they face with these tasks. Unfortunately, there are many things that can go wrong on a site and you need to ensure that you and your business are protected with adequate business insurance. While you can’t insure against the possibility of not having enough work, you can ensure that your business is protected against employee injury, equipment loss, personal injury or property damage. So, here we’ll explore how with a visit to business insurance brokers, Perth carpenters can enjoy protection against many risks.
Public Liability
Public liability is vital for carpenters and in many cases, you will be unable to enter a building site without proof of cover. This type of policy is designed to cover any legal expenses against any liability claims. Without public liability, a client or third party could make a claim, and even if you’re not at fault, you could spend a fortune on legal expenses.
Injuries
Most tradespeople are aware that a job site can be a potentially dangerous place. This means that it is vital that your business insurance package includes protection against injuries. As previously mentioned, all businesses operating in Australia must have public liability to protect against third party injuries, such as a member of the public tripping over your tools. However, you may not be aware that you can obtain sickness and accident cover to provide protection in the event that you’re injured. It may also be a good idea to have workers compensation insurance to cover any injuries to a member of your team.
This means that if an accident occurs on your job site and you’re left unable to work, you will receive financial compensation until you’re back on your feet. Many policies also provide cover in the event that you’re too sick to work. There are policies available that provide cover for up to 100 weeks allowing you financial benefit at an average weekly income typical of your business before the illness.
Worker’s compensation can be vital for carpenters, as any employee injuries are financially covered. This removes the risk of being left with medical bills, lost wages and compensation costs that could potentially bankrupt your business.
Stolen Tools
Many carpenters spend years accumulating the perfect tools to perform their trade to the highest standard. This means that if any tools are lost or stolen, it can have a devastating impact on your business. In many cases, commercial vehicle insurance will not cover equipment loss from a damaged vehicle, so you could end up waiting weeks to try and replace the tools. Fortunately, there are tool cover policies that provide the funds to replace any lost or stolen tools quickly. This minimises the impact on your business, so you can quickly get back to work.
If you’re considering your options for business insurance brokers, Australia based GSK Insurance is here to help. We can offer a wide range of business insurance products, and our team members are on hand to discuss your requirements to ensure that your business risk profile is covered.
About the Author
Andrew Harding is very passionate about journals; he is also a author who writes for Insurance Brokers to Avoid Common Claims.
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