Secure your business with comprehensive coverage that safeguards you, your team, and your tools against unexpected risks and liabilities
Protecting your trade business is essential to ensuring its success and maintaining your peace of mind. Angel Insurance Brokers specializes in offering comprehensive insurance packages tailored to the unique needs of tradesmen. Whether you’re a sole trader or managing a team, our policies are designed to cover the diverse risks associated with your trade activities.
Our tradesmen insurance packages provide coverage for critical areas, including public liability, tools and equipment, and business vehicles. With protection against potential claims, damage, or loss, you can focus on your work with confidence, knowing that your business is safeguarded from unforeseen events.
In addition to liability and property coverage, Angel Insurance Brokers offers solutions for personal accident and sickness insurance. This ensures that in the event of illness or injury, your income remains protected, providing financial security during challenging times.
With expert guidance from our brokers, you can customize your insurance plan to suit your specific requirements and budget. Our team is committed to helping you navigate your insurance needs, giving you the freedom to focus on building your trade business without worry.
01To cover tradespersons from claims against them due to Third Party personal injury or property damage caused by their regular business activities. This cover can be extended to cover damages due to any work performed by your subcontractors or employees.
02To cover loss/damage to the tradesperson’s tools, equipment, portable items or stock in the event of fire, theft or accidental damage. This coverage ensures that essential business assets, including tools and machinery critical to day-to-day operations, are financially safeguarded. In the event of damage or loss, the policy helps to mitigate the costs of repair or replacement, ensuring business continuity.
03Comprehensive or Third-Party Property Damage, Fire & Theft insurance cover for your business vehicles and/or trailers. This policy offers critical financial protection, ensuring that your vehicles are safeguarded from unexpected events.
04To cover loss of your income due to your inability to perform regular business activities for an extended period of time in the event of any personal injury or sickness.
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Tradesmen typically need a combination of public liability insurance, professional indemnity insurance, workers’ compensation insurance, and tool insurance. These policies can protect tradesmen from a range of risks, such as property damage, injury to clients or members of the public, and theft or damage to tools and equipment.
Public liability insurance is designed to protect tradesmen against claims made by third parties for property damage or personal injury caused by their business activities. It is important for tradesmen because it can cover the cost of legal fees, compensation payouts, and other expenses associated with a claim, which could otherwise be financially devastating.
The requirement for workers’ compensation insurance varies depending on the state or territory in which you operate. In some states, self-employed tradesmen are not required to have workers’ compensation insurance, while in others it is mandatory. Even if it is not required, workers’ compensation insurance can provide valuable protection for self-employed tradesmen in the event of an accident or injury while working.
Tool insurance provides cover for loss, theft or damage to tools and equipment used by tradesmen in the course of their business activities. This can include hand tools, power tools, and other equipment. Tool insurance can help tradesmen to quickly replace lost or damaged tools, reducing downtime and minimizing the impact on their business.
Yes, most tradesmen insurance policies can be customized to suit your specific needs and budget. This may include adjusting the level of cover, adding or removing policy features, and selecting a payment plan that suits your cash flow. An insurance broker can help you to tailor a policy that meets your needs while keeping costs under control.
If you’re ready to secure tailored insurance solutions or have questions, our friendly team is here to help—reach out to us today for expert advice and peace of mind.
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