Carpenters need to know they have cover for any third party personal injury and property damage they cause while on a job or after the work has been completed.
Even good carpenters know that accidents can happen at any time. Because carpenters are responsible for the structural integrity of the buildings they construct, they face the very real risk of injuring someone or causing damage to property if something goes wrong.
HIA Insurance Services understands the risks that carpenters face while carrying out their job and has designed a policy to meet their specific needs.
Trades Pack Insurance for carpenters can provide protection against financial loss should a carpenter be found legally responsible for causing personal injury to a third party. Personal injury could be caused by anything from electrocution and a fall from a height through to exposure to hazardous substances such wood dust and wood adhesives.
And it can provide cover for damage caused on a worksite, whether something minor such as a broken window, or serious property damage such as that caused by a fallen beam.
Note that Trades Pack Insurance doesn’t include the cost of rectifying faulty work itself, but it does provide cover for the cost of the resulting damage.
We specialise in arranging cover for Carpenters and have developed a Tradies Insurance product that caters to the specific risks faced by your industry.
The Tradies Insurance we arrange includes the following benefits:
The weather app isn’t always right! Roofing Contractor, Bill unfortunately had to learn that the hard way when he was on-site, working on a roof that was only half covered and protected from unfavourable weather. Not knowing that a thunderstorm was around the corner, Bill left the job-site without taking additional measures to ensure the house under construction was protected. When he turned up on-site the next morning, water had entered the roof and caused significant damage to the insulation and ceilings of the house. Eventually, this caused the ceiling to subsequently collapse, damaging the carpet and other items in the house. Luckily, Bill had purchased Tradies Insurance through HIA Insurance Services and was able to successfully make a claim a claim of $19,000 to cover the damages.
*Subject to the policy terms, limits and exclusions
© 2021 HIA Insurance Services Pty Ltd (ABN 84 076 460 967) is an authorised representative (no.275925) of Aon Risk Services Australia Limited (ABN 17 000 434 720 AFSL 241141) (HIAIS).
The HIA Insurance Services Tradies Insurance (Trades Pack) policy is arranged by HIAIS under a binder agreement on behalf of the insurance issuer, QBE Insurance (Australia) Ltd, ABN 78 003 191 035, AFSL 239545. When acting under a binder we will be acting as agent of the insurer and not as your agent. Our binder arrangements with the insurer are such that we remain your agent in the handling of any claim. If you purchase this insurance through HIAIS, HIAIS will receive a commission that is a percentage of the premium. Further information can be found in HIAIS’ Financial Services Guide or provided upon request.