Insurance Policy

Carpenters Insurance

PRODUCTS LIABILITY

Example – If there is a problem with anything you supply & it results in injury or damage, you are covered . For example – you supply brackets for shelving and due to a manufacturing fault they cause injury or damage.

GOODS IN CUSTODY

Example – You remove clients property for repair or to keep it safe either to your premises or to your vehicle at the front of their premises and as a result of your negligence it is damaged or stolen, you are covered.

RESULT OF FAULTY WORKMANSHIP

Example – You build a veranda and it collapses causing injury or damage, you are covered.

SUB CONTRACTORS

Example – If you use subbies and as a result of their negligence, you are included in a legal action against them, you are covered.

ATTACHMENTS TO A REGISTERED VEHICLE

Example – Most public liability policies exclude claims arising from attachments to a registered vehicle. Eg. Someone trips over a compressor hose connected to your vehicle. With our policy you are covered.

UNDERGROUND SERVICES

Example – If you cut or damage underground services, you are covered, including the resulting damage that may be caused. eg. fusion of household appliances etc.

LEGAL COSTS

The policy includes legal costs in addition to your limit of indemnity.

PRINCIPALS INDEMNITY

Many principal contractors require tradies to provide them with protection should the tradie cause a problem and they become vicariously involved. Often it is written into a contract and overlooked so our policy automatically covers it for you.

TAX AUDIT

Should the ATO carry out an audit of your income tax returns, you are covered up to $5,000 for the accountants and other costs incurred in providing information and documentation.

TRANSIT

Example – When transporting customers goods to and from your premises and the goods are damaged due to your negligence, you are covered.

MONTHLY PREMIUM PAYMENTS

Great for your cash flow.The policy wording has full details of cover and exclusions. Depending on your occupation, the policy wording may change to meet your individual requirements.

TOOLS OF TRADE, INJURY & ILLNESS, INCOME PROTECTION AND MOTOR VEHICLE COVER

Also designed specifically for your requirements.

PUBLIC LIABILITY PREMIUM

$445 for $5,000,000 cover and $515 for $10,000,000 cover.

TOOLS & STOCK PREMIUM

$322 for $7500 cover.

INJURY & ILLNESS PREMIUM

$577 for $700 a week cover for Injury cover only, and $1,043 for $700 a week cover for Injury & Illness cover.

INCOME PROTECTION

Talk with our Financial Services experts for an indication of price and cover

PUBLIC LIABILITY POLICY ADVANTAGES

The premiums shown are indicative only and are dependent on claims history and multiple factors including type of business, turnover, occupation, sums insured, excess, and any government charges. Any advice provided here does not take into consideration your objectives, financial situation or needs. Terms, conditions, limits and exclusions also apply. Before making a decision, please consider the relevant Product Disclosure Statement, available for download here. Please ask us for more details before we provide you with our services. Details of services provided by imar are available in our FSG here.

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