Insurance Policy
Shopfitters
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 shelving and it collapses due to a fault in the bracket resulting in injury or damage, you are covered.
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 counter or cabinet and shelving collapses causing damage or injury, 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.
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 (INCLUDES GST)
As low as $500 for $5,000,000 cover and $600 for $10,000,000 cover
TOOLS & STOCK PREMIUM (INCLUDES GST)
As low as $275 for $7,500 cover
INJURY & ILLNESS PREMIUM (INCLUDES GST)
As low as $490 for $700 a week cover
INCOME PROTECTION
Talk with our Financial Services experts for an indication of price and cover
PUBLIC LIABILITY POLICY ADVANTAGES
The cover and/or premiums displayed may be varied depending upon your own circumstances, claims experience and Government charges.