Any tiler who runs their own business or who works as a subcontractor needs to consider taking out Tradies Insurance. It’s designed to protect business owners from costs they accrue if they’re found liable for causing personal injury to others, or damaging property, while carrying out a project – and once that project has been completed.
As with any tradie profession, tilers work in an environment that can be dangerous to them and others. Tiles are inherently heavy and often have sharp edges, which means tilers face the risk of causing serious injury if a tile should fall. Because tilers often work in wet areas, there’s the additional risk of having someone slip on a wet floor. Falling tiles have also been known to damage property, such as when they slide off a roof and onto a car, awning or barbeque.
Tradies Insurance (what we also like to call Trades Pack Insurance) can help cover costs associated with causing injury or property damage if a tiler is found to be liable while they’re carrying out their work.
HIA Insurance Services understands the risks that tilers face while on a worksite and has designed a policy to meet their specific needs.
Trades Pack Insurance for tilers can provide protection against financial loss should a tiler be found legally responsible for causing personal injury to a third party of damaging someone’s property. If a tiler hasn’t taken out insurance and is found to be liable for causing injury or property damage, the costs could be significant.
Note that Trades Pack Insurance doesn’t include the cost of rectifying faulty work itself, but it does cover the cost of the resulting damage.
We specialise in tiler’s insurance and can help you with the cover you need. The Tradies Insurance we can arrange for tilers includes the following benefits:
Tim, a Tiler by trade was contracted to replace the tiles in an existing kitchen, a small job compared to the large-scale work Tim’s business is normally hired for. When the job was completed, Tim applied some hydrochloric acid clean to clean the floor grout, unknowingly destroying all the stainless steel appliances in the client’s kitchen, which all had to be replaced. The damage totalled $24,000 which Tim was able to claim back through his Tradies Insurance policy with the help of his HIA Insurance Services broker.
*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.