Short answer: Australia is second only to the United States in the size of court awards for personal injury. The highest claim here to date for one person is a whopping $19 million – and half of that was legal costs. Now picture a client tripping over some material on one of your work sites….

Insurance for construction trades is more than a box ticking exercise in meeting regulatory requirements. When trouble hits it can make the difference between your operation being able to keep trading or going broke. Don’t try to DIY your business insurance cover based on the premium you think you can afford. On that basis you…

The end of the financial year – tax time – can be burden for a tradie juggling multiple responsibilities but it also forces you to take stock of where you are now compared to last year. Have you grown your business? Invested in new plant, equipment or a vehicle? Expanded your premises? Taken on new…

Cut out the middle man. Sounds like a great idea, right? You stand to save on costs, it should be simple, you can get it done quickly, ensure your particular needs are covered and control the security of your personal information. Except that when it comes to insurance it doesn’t work like that. Here are 5…

According to statistics from Safe Work Australia, construction is the third most dangerous occupation in Australia. In their latest statistics, the organisation found that 40 labourers and 26 technicians and trades workers died while at work in 2016. Labourers also saw the highest number of claims for injury at work (26,410 claims in 2016) taking…

Many tradies use their ute for both personal and commercial purposes, but is your car insurance enough to cover you should the worst happen? Many tradies use their ute for both personal and commercial purposes, but is your car insurance enough to cover you should the worst happen? Rosemary Callaghan, Team Leader at imar, said…

The world of business insurance can sometimes seem complex but it is absolutely necessary for any tradie on any job site. Public liability insurance may not be mandated by law, but many employers will not allow a tradie onto their job site without the cover. So what is public liability insurance and why is it…

You might be starting up your own business or becoming a contractor for the first time, but one of the most important things to organise before you set-up shop is your business insurance. It might be boring but it could be the difference between your business keeping its doors open for the long-term or shutting…

Covering small business The imar SME team looks after every type of business that isn’t a trade. Their clients range from very small businesses through to quite large national enterprises, and cover almost every imaginable type of business offering. The one thing they have in common, is that they are looking for expert insurance and…

What makes imar different? For more than 35 years, imar has been helping tradies, builders and small business owners across Australia protect their business and their incomes with cost-effective insurance solutions. Having commenced our operations as a genuinely small business – just two individuals offering a highly personal level of insurance broking – we’ve built…