1800 762 852

TRADIES, SAY HELLO TO SOFY... WITH A CHANCE TO WIN $2,000 OF NEW EQUIPMENTand kick off the financial year with your business at its best!

SOFY is here! Time to do some hard yakka – so wouldn’t it be handy to have $2,000 of new equipment to kick off the new financial year? Purchase a new Tradies Insurance policy on or before 30 September 2020 to go into the running to win 1 of 2 Bunnings Warehouse vouchers worth $2,000! Terms and Conditions apply.*

Construction work insurance
Worker Construction Work Insurance
WHAT IS…

Tradies Public & Product Liability Insurance?

Tradies Insurance provides protection against the financial risk of being found liable to a third party for death or injury, loss or damage to property, during the course of your work (Public Liability) or after your work has completed (Product Liability).

Don’t risk it, protecting your personal assets and business has never been easier. Insurance for Tradies gives you the peace of mind and security to keep doing what you do best.

Questions? We can help

Tradies, don’t break the bank with your insurance...

The cover HIA Insurance Services arranges is more competitively priced than you might think! With one of the most competitively priced insurance covers designed for tradies, get a quote online and see for yourself.

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What is covered?

Cover options

Tools, equipment and machinery(optional)

Your tools, equipment and machinery are critical in performing your job on a daily basis. Trades Pack insurance offers you optional cover for the value you would like to protect your tools, electrical equipment (including mobile and tablets) and machinery.

Material Damage
Public and Products Liability
Public and Products Liability

Protection in case a third party is injured during the course of your work or by your finished product, also if damage is caused to third party property. Choose a level of cover to suit you:

$5M    |    $10M    |    $20M

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Material Damage
Broad protection for the insured works in respect of accidental damage covered events including fire, theft, water damage, Flood, malicious damage, storm and cyclone, landslip and earthquake.

Protection for your build/s throughout the entire contract period of construction.
Up to the total sum insured. Up to the total sum insured.

Existing Structures Cover
Cover that extends to protect existing dwellings when you are renovating or building and adding to an existing structure.

No need for further cover extensions to protect property on top of what’s insured in the contracted works.
Subject to the sub-limits specified in the coverage summary

Display Homes Cover
Automatic cover on display homes up to $500,000 on buildings, $50,000 for contents, and $10,000 for art during the insurance period.

Showcase your work and secure your next project with the peace of mind you need knowing you're covered whilst onsite.
Up to a total limit of $1,500,000 for the policy period.

Search & Locate Cause of Damage/Defects
Cover for costs spent to identify the cause of a defect or damage, such as discovering why a drain is blocked or identifying what’s causing water damage to internal walls.

Prevents you from having to entirely pay for discovering what’s causing something to not work properly.
Up to a limit of $50,000.

Legal Liability Claims
Cover for legal fees, settlements and court costs arising from defending a claim for third party personal injury or property damage.

Cover for legal fees, settlements and court costs you incur from defending certain claims.
Up to the limit of your liability cover including reasonable legal expenses. Up to the limit of your liability cover + reasonable legal expenses.

Public Liability & Product Liability
Protects your legal liability if you are held responsible for third party personal injury or property damage in your business activities and post-completion of the contracted works.

Covers you for your legal liabilities in relation to the contracted works during and after the job is complete.
Up to the sum insured. The choice is yours:
- $5M
- $10M
- $20M
Up to the sum insured. The choice is yours:
- $5M
- $10M
- $20M

Access to Remove & Restore Cover
Cover for costs to de-water, demolish or remove undamaged building works and gain access to allow repair.

Saves you from having to pay for the removal of part of the works to repair and continue with the build.
Up to a limit of $25,000.

Mitigation Costs
Cover for costs expended to prevent imminent Damage or mitigate the extent of further Damage, up to a limit of 5% of the contract value.

Stops you from being entirely out of pocket when it comes to preventing covered damage to insured property for your build/s.
Up to 5% of the contract value. Up to 5% of the contract value.

Subcontractor Negligence
Cover includes protection in circumstances where, due to a subcontractor’s actions on site, you are considered vicariously liable.

The peace of mind of knowing your interests are protected for your subcontractors work for which you could be vicariously liable.
Up to your liability cover limit. Up to the liability cover limit you choose.

Professional Fees
Cover for the costs of re-engaging architects, engineers, surveyors and consultants, up to 10% of the contract value.

Minimises the bill your business would have to foot if specialists needed to be brought in during a build.
Up to 10% of the contract value. Up to 10% of the contract value.

Automatic Contract Value Increase/Escalation
Where, during the construction period there is an increase in value of an insured contract, the contract value under the coverage will increase automatically.

Cover for if or when the cost goal posts shift and the contracted works is more expensive than initially insured for.
Up to 15% of the contract value as specified in the schedule. Up to 15% of the contract value as specified in the schedule.

Removal of Debris
Cover for the demolition and disposal of contract works, including the removal of debris and silt, regaining access to the site and restoring work conditions, up to 10% of the contract value.

Saves you from having to pay for the removal of debris if a covered event happens to get you back on-site fast.
Up to 10% of the contract value. Up to 10% of the contract value.

Business Premises
Cover includes protection in the event of an accident occurring at your business premises such as your office or workshop.

Cover for if accidents happen where you’re working.
Up to the liability cover limit you choose.

Materials in Storage
Cover for damage to materials to be used in the contract works that are in storage off-site but within the area specified in the contract, whilst awaiting transit to the build site.

Allows you to concentrate on the job without worrying if your off-site resources are safe until needed.
Up to the limit of the contract value. Up to the limit of the contract value.

Materials in Transit
Cover for damage to materials to be used in the contract works whilst in transit arising from fire, storm, flood, collision and/or overturning of the transportation, or by theft or malicious damage.

Cover for resources stored off-site that get damaged on the way to your build.
Up to the limit of the contract value. Up to the limit of the contract value.

Tools of Trade
On-site cover for tools used to produce the contracted works.

Cover for tools used on-site.
Available as an optional extra. Up to a limit of $20,000.





 
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Frequently Asked Questions

What does tradies tool cover protect you for?

Our optional cover for tools of trade covers you for lost, destroyed or damaged tools while contained in your vehicle or in any full enclosed building including your home, locked shed or garage, work or building site.

What kind of events are covered by tradies tool insurance?

• Fire, malicious and accidental damage.

• Forcible entry and theft when the building and worksite is unattended.

• Theft onsite during work hours provided reasonable precautions to prevent theft have been taken.

Have further questions?
Contact us at 1800 762 878

  1. By entering the Promotion, Entrants agree to be bound by these Conditions of Entry.

  2. The promoter isHIA Insurance Services Pty Ltd (ABN 84076460 967),an authorised representative no. 275925of Aon Risk Services Australia Limited (ABN 17 000 434 720) of Level 33, 201 Kent Street, Sydney NSW 2000 Telephone (02) 9253 7000 (Promoter).

  3. The ‘SOFY Bunnings voucher giveaway2020’promotion (Promotion) commences at 8:30am AEDT on Tuesday 21July2020and closes at11:59pmAEDT on Wednesday 30 September2020(Promotion Period).

  4. Entry into the Promotion is only open to Australian residentswhoat the date of entry are18 years of age or older (Eligible Person). Employeesof the Promoter, immediate family membersof such employees,related companies of the Promoter and agencies associated with this Promotion, are ineligible to be Entrants.

  5. Eligible Persons may enter the Promotion during the Promotion Period bypurchasing anewTradespack Insurance policy through HIA Insurance Services.HIA Insurance Services means HIA Insurance Services Pty Ltd ABN 84 076 460 967,authorised representative no. 275925 of Aon Risk Services Australia Limited ABN 17 000 434 720 AFSL no. 241141.

  6. Only oneEligible Person is permitted to enter the Promotion perorganisation.Entries are deemed to be received from Entrants at the time their insurance policy has been purchased.The Promoter is not responsible for any delayor other circumstancewhich causes an entry not to be received within the Promotion Period.

  7. Eligible Persons with an entry in the Promotion (Entrants) will go into the draw(Prize Draw) to win 1 of 2$2,000Bunnings Warehouse gift vouchers.The total prize pool value is AU$4,000.

  8. Two entrieswill be selected at random from a pool of all entries complying with these Conditions of Entry. The winning entrieswill receive a gift voucher valued at $2,000 to use at Bunnings Warehouse(Prize) to be awarded to the holder of the insurance policy(Winner).

  9. The Prize Draw will be conducted at Aon Tower, Level 33, 201 Kent St, Sydney NSW 2000onThursday 8 October2020 between 8:00am and 5:00pmAEST.The twovalidentriesdrawn will each receive a gift card to Bunnings Warehouse valued at $2,000.

  10. The Winner will be notified within 2 business days afterthe Prize Drawvia email or phone (Notification). The Winner will be provided with details of how to claim their Prize and the date by whichthey must claim their Prizein the Notification. The Prize willonly be distributed in Australia and the Winner should allow 28 days from the Prize Draw for delivery of thePrize.

  11. The Prize value is in Australian dollars and includes GST.

  12. If any element of the Prize becomes unavailable for any reason beyond the control ofthe Promotor, a similar prize of equal value will be awarded in lieu.

  13. If the Winnercannot be contacted by Notification or if aPrize is unclaimedor undeliverable, a redraw will be conductedone week after the initial Prize Drawand a new Winner will be drawn. This process will continue until the prize is claimed.

  14. The Promoter is not liable for any loss, damage or personal injury suffered or sustained (including but not limited to direct, indirect, special or consequentialloss or damage, loss revenue or profit) arising directly or indirectly out of or in connection with the Promotion or the taking of aPrize or any component of a Prize, including:

    • any additional costs associated with the taking of a Prize(excluding postage if required). Any expense incurred beyond the specified Prize will be the responsibility of theWinner; and

    • any loss of, damage to, disuse or expiry of the Prize.

  15. The Promoter reserves the right, at any time, to verify the validity of entries and Entrants and to disqualify any Entrant who submits an entrythat isnot in accordance with these Conditions of Entry or any Entrant who tampers with the entry process.

  16. If for any reason this promotion is not capable of running as planned, including but not limited to fraud or causes beyond the control of the Promoteror anything which corrupts or affects the administration, security, fairness, integrity or proper conduct of this promotion, thePromoter reserves theright in its sole discretion to cancel, terminate, modify or suspend the promotion, subject to any directions from a regulatory authority.

  17. Failure by the Promoter to enforce any of its rights under these terms and conditions at any stage does not constitute a waiver of those rights.

  18. All decisions of the Promoter are final and no discussions or correspondence with be entered into.

  19. The collection, use and disclosure of personal information in connection with the Promotion is governed by the Promoter’s Privacy Policy, which can be accessed at http://www.aon.com.au/australia/legal/privacy-policy.jsp. An overview of this policy is contained in the Promoter’s Privacy Notice which we have on display or a copy can be accessed at http://www.aon.com.au/australia/legal/files/aon-privacy-notice.pdf. By entering the Promotion, Entrants agree to the Promoter and its related companies, using and disclosing the Entrant’s personal information for the purposes of conducting the Promotion, redeeming a Prize and any other matter connected to or incidental to the Promotion, and to market products and services in accordance with Aon’s Privacy Policy.
 

ACT Permit no. ACT TP 20/00895

The HIA Insurance Services Tradespack Policy is arranged by HIAIS on behalf of the insurance issuer, QBE Insurance (Australia) Ltd, ABN 78 003 191 035, AFSL 239545, ABN 28 008 485 014. If you purchase this insurance, HIAIS will receive a commission that is a percentage of the premium. Further information can be found in HIAIS’ FSG or provided upon request.
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