Insurance Policy

Gasfitters

PUBLIC LIABILITY POLICY ADVANTAGES

Many of these extra covers are not included in a standard Public liability policy but our policy has been specifically enhanced & extended to include them automatically.

DEFECTS & TRADES PRACTICES LIABILITY

Example – If you perform defective work, or use a defective product, your customer has the benefit of a 6 year warranty period.

UNDERGROUND SERVICES

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

PRODUCTS LIABILITY

Example – You use a part that is faulty, such as a tap or hose connection and it leaks & results in property damage or bodily injury, you are covered.

GOODS IN CUSTODY

Example – You store a customers goods at your premises or even take them out the front to your vehicle to work on them, and as a result of your negligence, the goods are stolen or damaged, you are covered.

RESULT OF FAULTY WORKMANSHIP

Example – You connect an appliance incorrectly and it causes a fire, 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.

UNREGISTERED VEHICLES

Example – Should you have an unregistered vehicle or machinery and it causes bodily injury or property damage, you are covered.

ATTACHMENT TO A REGISTERED VEHICLES

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

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.

The cover and/or premiums displayed may be varied depending upon your own circumstances, claims experience and Government charges.

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For an obligation-free quote from an adviser who understands tradies, just call 1800 284 627 or pop your details into the ‘Get a quote’ form.

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The imar Trades & Business Insurance Difference

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