If you own it, you insure it. It’s that simple! Not all employers will have sufficient cover to keep you protected. Our tool cover will have you sorted if they get damaged, lost or stolen. If your tools are under 10 years old, you’ll get a spanking new replacement and if they’re older, you’ll get a cash amount.

If you use your own vehicle for work and your employer is insured with Cactus, we’ll have your back for work trips….just don’t assume they’ve got insurance. If you’re unsure, give us a call and we’ll sort you out.

Sorry mate, you’re **** outta luck, you’ll need separate tool insurance for that. For just a $1 a day, we can cover you for up to $5k of tools. Cheap as bro!

Do they? If you’re are a 100% sure your employer has liability cover, you are protected on site for any property damage or bodily injury. Any work you undertake on the side, you’ll need separate cover for.

If you’re signing off work, you’re responsible. As well as suspending or losing your licence, you can be personally fined up to $20k. Not worth it bro! We can tailor a special cover for LBPs to include the extra cover you need as someone who takes the responsibility. You should ask your employer to front up for these costs too!

Don’t assume your employer has insurance, or the right cover to keep you protected. Ask what insurance is in place and give us a call to check the details stack up. It’s not worth getting on site for a dodgy boss and getting screwed over.

If your tools got stolen tonight, could you afford to miss work or replace them? For less than a $1 a day, we can cover up to $5k of tools and have you sorted. If your tools are under 10 years old, you’ll get a spanking new replacement, and if they’re older, you’ll get a cash amount.

Can you afford to replace a new Beamer? If you smash a car, you’re legally responsible for the cost of the repairs. Our liability cover will sort you out for any third party damages. Phew!

If your car is used for business purposes, it will not be covered under your normal road insurance.

Your current employer’s Vehicle Insurance should cover you for all accidents and damages when the vehicles being used for work purposes, assuming you’ve got a valid license.

If you drop a spanner on someone’s head or smash an antique when moving furniture, you might find yourself cactus! If your employer’s not fully insured, any bodily or property damage you cause, you could be responsible for. That could be a couple of year’s wages! Even if your employer has full cover, you are only protected when working for them. Any jobs on the side, you’ll need your own cover for.

You’re new, mistakes happen! Your employer should have your back with their full cover when you are working for them.

Tradies generally need Tool, Vehicle, and Liability cover. All our products are modular so you won’t be paying for what you don’t need. Is it worth it? Well, can you afford to replace your tools if they get nicked, or the court fees and penalties for defective workmanship?

Lucky you! With the number of claims we get, not everyone seems so fortunate. As a subbie, you take all the responsibility on your own shoulders, so it’s not even worth the risk.

As you are personally responsible when you’re on the job, you need to ensure you’re fully protected. As well as Vehicle and Tool cover, you’ll need Public and Statutory Liability and Professional Indemnity, and maybe even LBP. If you’re unsure, give us a ring and we’ll make sure you stay risk free while only paying for what you need.

We don’t want you to miss your livelihood so we’ll work with the insurer to have you back to work with everything you need as soon as possible.

You’ve probably got some pretty sweet **** in there too. That’s why all gear under ten years old will be replaced with a brand spanky new set.

To help us, help you, generally the following information is needed. The quicker you can provide this the faster we can get you back to where you were.

• Proof of purchase (If these are limited, photos of the tools will assist)
• A completed schedule (list of stolen tools)
• Replacement Quotes
• Police Report Acknowledgement (this is to confirm the event has been reported)
• Photo/Video to show forced entry.

Your current employer’s vehicle insurance should cover you for all accidents and damages when the vehicles being used for work purposes, assuming you’ve got a valid license.

Not necessarily my friend. As you’re hired on a contract basis, you are only protected under their Liability cover when directly working on their work site. If you’re carrying out any jobs on the side, you’ll need your own cover.

If you hit a gas pipe on the job, you’re paying. Public Liability will protect you from personal injury or property damage.

If the apprentice or any employee working under you is hired by the employer, you are not responsible and they will be protected under the employer’s liability. If you’ve hired them, you are responsible and will need Employer’s Liability Insurance. Any doubt, get in contact – it’s better to be sure.

If you’re signing off work, you’re responsible. As well as suspending or losing your licence, you can be personally fined up to $20k. Not worth it bro! We can tailor a special cover for LBPs to include the extra cover you need as someone who takes the responsibility for the work of others.

Even if your employer has Professional Indemnity cover, you’re not free from risk. You can be held liable for defective workmanship if your name is on the warranty. Give us a call and we’ll tell you exactly what you need without the bull.

As a business owner and employer of staff, you’ll need Public, Statutory and Employer’s Liability. We’ll sort you out for all three under one cover to that’s one less thing to worry about. Is it worth it? Well, can you afford to replace your tools if they get nicked, or the court fees and penalties for defective workmanship?

If you have a subbie working on a few different sites, make sure they have their own cover before they step foot on yours.

Yes, as long as it is being used for work purposes and they have a valid license.

If an apprentice is out and about in your vehicle and they have an accident, you could be liable. If they are using their own vehicle for work, they will not be covered. You will need Vehicle Insurance for all work vehicles to make sure you and your staff stay protected.

You’re not responsible, but if they don’t have personal insurance, they could be out of work for a while. Our material damage (tool) cover, even covers employees gear for up $5000. Too easy!

Good on ya mate! The best thing to do is give us a call for a chat as it will all depend on a number of things including any planned staff, value of assets and the risk of your business.

Regardless of who’s at fault, you’re responsible and Health and Safety and Worksafe can fine you substantially. Our Public, Statutory and Employer’s Liability (alongside your Health and Safety provider) will support you through the process.

As long as they are working under you, you do not need to extend your Public or Statutory Liability, but you will need to get Employer’s Liability and may need to extend you tool cover too.

Yes! It is your obligation to sort this out if you’re building a new property.

Under the Constructions Act, it’s the owner’s obligation to initiate a Contract Works for renovations. It is crucial that this is done through a proper adviser as it must be in conjunction with their current home insurance policy to be valid.

If you’re signing off work, you’re responsible. As well as suspending or losing your licence, you can be personally fined up to $20k. Not worth it bro! We can tailor a special cover for LBPs to include the extra cover you need as someone who takes the responsibility for signing off the work of others.

If the work has been signed off, the LBP will be responsible. With PI cover, any legal costs and expenses associated with defending yourself against legal action are covered.