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CACTUS [ADJECTIVE]

/kaktes/ – not working, broken, f***ked

An insurance
toolbox,
just for tradies

Because we don’t want you to be cactus

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With Cactus there’s no mucking
around with different policies,
it’s all built in

One premium, one account, and we’ve got your ass covered for everything

  • Tools
  • Vehicle
  • Liablity
  • Professional Indemnity*
*Optional
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Tools

IT’S NOT JUST FOR YOUR TOOLS!


We bet you didn’t know that your Material Damage (Tools) cover will also cover you for;

  • Your portable electronic devices like cell phone, laptop and iPad. Cover is up to $5000 per item, or $10,000 per event
  • Money, your takings and wages are covered in a safe at your premises, or in transit to the bank. If they are stolen, you are covered for up to $5000
  • Employees Effects. If any of your employee’s gear is stolen we will also cover this for up to $5000
  • Software. If your computer gets fried or dropped in the mud, you can claim for software up to a maximum of your sum insured
  • Theft from a locked vehicle. If you dive out for a pie and someone swipes your gear, no problem. We will cover you for up to $10,000 for theft from a locked vehicle, but make sure you lock it!

 


CACTUS TIP!

Lock it or lose it! Your cover is only valid if your tools are locked and secured. Unexplained loss is not covered under this policy. There must be forced entry, or threat of violence. Tools that simply walk away will not be paid for.

Vehicle

WHEN YOUR TRUCK IS CACTUS
WE HELP YOU GET BACK ON THE ROAD


As well as covering your vehicle and whatever you hit, we will also cover you for;

  • Windscreens, Sunroofs and Windows. All of these with no excess to pay
  • Tarps, sheets, ropes and chains, on or in your vehicle for up to $2000
  • Lost a load of building materials on the road? What a cactus. We cover you to clear the road and get your load on to another vehicle up to $20,000
  • Damages or defence costs arising from an at fault accident? You have cover for up to $10,000,000
  • We can also cover your employee’s vehicles while they are being used for your business, if this makes their own insurance invalid, or if they are uninsured, up to a limit of $50,000

 


CACTUS TIP!

Don’t let a dick get behind the wheel. Always check the driving history of your employees before you let them behind the wheel, a suspended licence or DIC could jeopardise your cover.

Liability

S*** HAPPENS WHEN YOU ARE IN BUSINESS
WE PROTECT YOU WHEN THINGS GO CACTUS UP


We cover you for three separate areas of liability under the one cover; Broad form (Public), Employers and Statutory Liability.

  • Broad form / Public Liability. This covers you against liability for personal injury or property damage, just select the level of cover you require from $1,000,000 all the way up
  • Employers Liability. This is cover for defence costs and any damages you become liable for as a result of injury to an employee which is sustained in the course of their employment. Just pick the level of cover you require starting at $250,000
  • Statutory Liability. This covers you for any fine that you become liable for arising from a claim made against you. This also covers your defence costs related to that claim
  • We also cover you at the rate of $250 per day for each day you are required to attend court as a result of a claim event
  • If you are acquitted, or if the case is dismissed or withdrawn, without the payment of any fine, your defence costs will be reimbursed and no excess will apply.
  • Rent or lease your premises? We cover you for your legal liability to pay compensation to your landlord as a result of damage to these premises
  • You are also covered for your liability under the forest and rural fires act for up to $250,000

 


CACTUS TIP!

Make sure all your subbies have their own liability cover too. If they don’t have cover, don’t let them on site!

PI

WE ALL F*** UP, NO NEED TO THROW
THE CACTUS OUT WITH THE BATH WATER


This cover gives you protection against legal liability for business and professional people arising from the conduct of your business or practice.

We can also tailor a special cover for you if you are an LBP to include the extra cover you need as someone who signs off and takes responsibility for the work of others.

This insurance specifically caters for

  • Settlements and judgements against you arising from negligent advice or services
  • Legal costs and expenses associated with the defence of any legal action

 


CACTUS TIP!

Your PI cover will cover your own arse, and the arse of any employee. It does not cover any contractor you hire, so while you will be sweet, they won’t be. Make sure that any contractor you hire holds their own Liability cover…. If they don’t, send them to us!

And if that wasn’t enough

We will give you the best price in the country for it too

Simple, comprehensive cover that leaves you with less of the niggly paperwork that takes up so much of your time

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Contact us today for a free quote

spike@hicactus.com

0508 4 CACTUS

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Tools

  • Covers physical loss or damage anywhere in NZ
  • Includes your phone and laptop
  • Optional Natural Disaster cover
  • Replacement value cover

Cactus me!

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Vehicle

  • Covers you and your staff
  • Covers your vehicle if it is damaged
  • Covers your liability for whatever you hit
  • Optional loss of use cover available

Cactus me!

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Liability

  • Liability cover for property damage & bodily injury
  • Legal defence costs covered
  • Covers you against your employees sustaining injury
  • Covers you for fines & repatriation

Cactus me!

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PI

  • Covers your liability against negligent advice or service
  • Covers investigation & defence costs
  • Includes penalties imposed on LBP’s
  • Covers you and your employees

Cactus me!

We make insurance suck less

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