[vc_row el_id=”faq”][vc_column][vc_custom_heading text=”Employee” font_container=”tag:h1|text_align:center” use_theme_fonts=”yes” el_class=”title my-5 py-5″][vc_row_inner el_class=”container” el_id=”employeeFAQ”][vc_column_inner][vc_custom_heading text=”Tools” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”I work for an employer but use my own tools, am I covered?” style=”simple” color=”green” el_id=”1507602444352-51a992ee-bc04″]If you own it, you insure it. It\u2019s 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\u2019ll get a spanking new replacement and if they\u2019re older, you\u2019ll get a cash amount.[\/vc_toggle][vc_separator][vc_custom_heading text=”Vehicles” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”My own car got smashed on my way to the job, am I covered under my employer?” style=”simple” color=”green” el_id=”1507603456087-bbcf99fb-6afa”]If you use your own vehicle for work and your employer is insured with Cactus, we\u2019ll have your back for work trips\u2026.just don\u2019t assume they\u2019ve got insurance. If you\u2019re unsure, give us a call and we\u2019ll sort you out.[\/vc_toggle][vc_separator][vc_toggle title=”My tools got nicked out the back of the van, is this covered in my vehicle insurance?” style=”simple” color=”green”]Sorry mate, you\u2019re **** outta luck, you\u2019ll 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![\/vc_toggle][vc_separator][vc_custom_heading text=”Liability” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”I know that my employer has insurance, what\u2019s my liability?” style=”simple” color=”green” el_id=”1507603461544-92cb379c-9425″]Do they? If you\u2019re 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\u2019ll need separate cover for.[\/vc_toggle][vc_separator][vc_custom_heading text=”PI” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”I have an LBP license, do I still need insurance?” style=”simple” color=”green” el_id=”1507603461360-40055bcb-f97f”]If you\u2019re signing off work, you\u2019re 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![\/vc_toggle][vc_separator][\/vc_column_inner][\/vc_row_inner][vc_custom_heading text=”Apprentice” font_container=”tag:h2|text_align:center” use_theme_fonts=”yes” el_class=”title my-5 py-5″][vc_row_inner el_class=”container” el_id=”apprentice-faq”][vc_column_inner][vc_toggle title=”I\u2019ve just started out. Do I need insurance or will my employer sort me out?” style=”simple” color=”green” el_id=”1507602444352-51a992ee-bc04″]Don\u2019t 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\u2019s not worth getting on site for a dodgy boss and getting screwed over.[\/vc_toggle][vc_separator][vc_custom_heading text=”Tools” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”I\u2019ve only got a few tools, is insurance even worth it?” style=”simple” color=”green” el_id=”1507603456087-bbcf99fb-6afa”]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\u2019ll get a spanking new replacement, and if they\u2019re older, you\u2019ll get a cash amount.[\/vc_toggle][vc_separator][vc_custom_heading text=”Vehicle” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”My car\u2019s already cactus, and I use the one at work; why would I need insurance?” style=”simple” color=”green” el_id=”1507603461544-92cb379c-9425″]Can you afford to replace a new Beamer? If you smash a car, you\u2019re legally responsible for the cost of the repairs. Our liability cover will sort you out for any third party damages. Phew![\/vc_toggle][vc_separator][vc_toggle title=”My car is already insured, does this protect me when i\u2019m at work?” style=”simple” color=”green” el_id=”1507603461360-40055bcb-f97f”]If your car is used for business purposes, it will not be covered under your normal road insurance.[\/vc_toggle][vc_separator][vc_toggle title=”My current employer wants me to use the work van for all trips. Do I need separate insurance?” style=”simple” color=”green” el_id=”1507603461192-948c7aa5-8542″]Your current employer\u2019s Vehicle Insurance should cover you for all accidents and damages when the vehicles being used for work purposes, assuming you\u2019ve got a valid license.[\/vc_toggle][vc_separator][vc_custom_heading text=”Liability” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”What\u2019s Liability Cover and do I need it?” style=”simple” color=”green”]If you drop a spanner on someone\u2019s head or smash an antique when moving furniture, you might find yourself cactus! If your employer\u2019s not fully insured, any bodily or property damage you cause, you could be responsible for. That could be a couple of year\u2019s wages! Even if your employer has full cover, you are only protected when working for them. Any jobs on the side, you\u2019ll need your own cover for.[\/vc_toggle][vc_separator][vc_toggle title=”I just cut through the only fuel pipe to Auckland airport, am I responsible?” style=”simple” color=”green”]You\u2019re new, mistakes happen! Your employer should have your back with their full cover when you are working for them.[\/vc_toggle][vc_separator][\/vc_column_inner][\/vc_row_inner][vc_custom_heading text=”Subcontractor” font_container=”tag:h2|text_align:center” use_theme_fonts=”yes” el_class=”title my-5 py-5″][vc_row_inner el_class=”container” el_id=”subbiefaq”][vc_column_inner][vc_toggle title=”I\u2019m a tradie, what insurance do I need and is it worth it?” style=”simple” color=”green” el_id=”1507602444352-51a992ee-bc04″]Tradies generally need Tool, Vehicle, and Liability cover. All our products are modular so you won\u2019t be paying for what you don\u2019t 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?[\/vc_toggle][vc_separator][vc_toggle title=”I\u2019ve done this for years with no sweat, why would I need insurance now?” style=”simple” color=”green” el_id=”1507603456087-bbcf99fb-6afa”]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\u2019s not even worth the risk.[\/vc_toggle][vc_separator][vc_toggle title=”What policies do I need?” style=”simple” color=”green” el_id=”1507603461544-92cb379c-9425″]As you are personally responsible when you\u2019re on the job, you need to ensure you\u2019re fully protected. As well as Vehicle and Tool cover, you\u2019ll need Public and Statutory Liability and Professional Indemnity, and maybe even LBP. If you\u2019re unsure, give us a ring and we\u2019ll make sure you stay risk free while only paying for what you need.[\/vc_toggle][vc_separator][vc_custom_heading text=”Tools” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”My tools were burgled from my vehicle\/property, what do I need to do get the claim processed faster?” style=”simple” color=”green” el_id=”1507603461360-40055bcb-f97f”]We don\u2019t want you to miss your livelihood so we\u2019ll work with the insurer to have you back to work with everything you need as soon as possible.<\/p>\n

You\u2019ve probably got some pretty sweet **** in there too. That\u2019s why all gear under ten years old will be replaced with a brand spanky new set.<\/p>\n

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.<\/p>\n

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

  [\/vc_toggle][vc_separator][vc_custom_heading text=”Vehicle” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”My current employer wants me to use the work van for all trips. Do I need separate insurance?” style=”simple” color=”green”]Your current employer\u2019s vehicle insurance should cover you for all accidents and damages when the vehicles being used for work purposes, assuming you\u2019ve got a valid license.[\/vc_toggle][vc_separator][vc_custom_heading text=”Liability” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”My employer said he\u2019s already got insurance, so i\u2019m sorted right?” style=”simple” color=”green” el_id=”1507603461192-948c7aa5-8542″]Not necessarily my friend. As you\u2019re hired on a contract basis, you are only protected under their Liability cover when directly working on their work site. If you\u2019re carrying out any jobs on the side, you\u2019ll need your own cover.[\/vc_toggle][vc_separator][vc_toggle title=”I\u2019ve got Statutory Liability, why do I need Public Liability too?” style=”simple” color=”green”]If you hit a gas pipe on the job, you\u2019re paying. Public Liability will protect you from personal injury or property damage.[\/vc_toggle][vc_separator][vc_toggle title=”I\u2019ve got an apprentice working under me. Am I responsible for them?” style=”simple” color=”green”]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\u2019ve hired them, you are responsible and will need Employer\u2019s Liability Insurance. Any doubt, get in contact – it\u2019s better to be sure.[\/vc_toggle][vc_separator][vc_custom_heading text=”PI” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”I have an LBP license, do I still need insurance?” style=”simple” color=”green”]If you\u2019re signing off work, you\u2019re 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.[\/vc_toggle][vc_separator][vc_toggle title=”I\u2019m not signing off work but i\u2019m still providing warranties. How can I make sure my a** is covered?” style=”simple” color=”green”]Even if your employer has Professional Indemnity cover, you\u2019re 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\u2019ll tell you exactly what you need without the bull.[\/vc_toggle][vc_separator][\/vc_column_inner][\/vc_row_inner][vc_custom_heading text=”Business Owner” font_container=”tag:h2|text_align:center” use_theme_fonts=”yes” el_class=”title my-5 py-5″][vc_row_inner el_class=”container” el_id=”ownerfaq”][vc_column_inner][vc_toggle title=”Are all the liability covers the same? What do I need and is it worth it?” style=”simple” color=”green” el_id=”1507602444352-51a992ee-bc04″]As a business owner and employer of staff, you\u2019ll need Public, Statutory and Employer\u2019s Liability. We\u2019ll sort you out for all three under one cover to that\u2019s 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?[\/vc_toggle][vc_separator][vc_toggle title=”What about when subbies are on site?” style=”simple” color=”green” el_id=”1507603456087-bbcf99fb-6afa”]If you have a subbie working on a few different sites, make sure they have their own cover before they step foot on yours.[\/vc_toggle][vc_separator][vc_custom_heading text=”Vehicle” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”Are my subbies and apprentices covered on my vehicle policy?” style=”simple” color=”green” el_id=”1507603461544-92cb379c-9425″]Yes, as long as it is being used for work purposes and they have a valid license.[\/vc_toggle][vc_separator][vc_toggle title=”Do I need vehicle insurance if my apprentice has his own?” style=”simple” color=”green” el_id=”1507603461360-40055bcb-f97f”]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.[\/vc_toggle][vc_separator][vc_custom_heading text=”Tools” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”One lad had $2000 worth of tools stolen on my site. Am I responsible?” style=”simple” color=”green”]You\u2019re not responsible, but if they don\u2019t 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![\/vc_toggle][vc_separator][vc_custom_heading text=”Liability” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”I\u2019m thinking of starting my own business, how can I make sure I my a** is covered?” style=”simple” color=”green” el_id=”1507603461192-948c7aa5-8542″]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.[\/vc_toggle][vc_separator][vc_toggle title=”A subby hurts themselves on my site. Is it my fault or theirs?” style=”simple” color=”green”]Regardless of who\u2019s at fault, you\u2019re responsible and Health and Safety and Worksafe can fine you substantially. Our Public, Statutory and Employer\u2019s Liability (alongside your Health and Safety provider) will support you through the process.[\/vc_toggle][vc_separator][vc_toggle title=”I currently work for myself, but am thinking of getting an apprentice. Do I need to extend my cover?” style=”simple” color=”green”]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\u2019s Liability and may need to extend you tool cover too.<\/p>\n

  [\/vc_toggle][vc_separator][vc_toggle title=”Do I need Contract Works Insurance for a new build?” style=”simple” color=”green”]Yes! It is your obligation to sort this out if you\u2019re building a new property.[\/vc_toggle][vc_separator][vc_toggle title=”What about when we\u2019re extending a house?” style=”simple” color=”green”]Under the Constructions Act, it\u2019s 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.[\/vc_toggle][vc_separator][vc_custom_heading text=”PI” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”I have an LBP license, do I still need insurance?” style=”simple” color=”green”]If you\u2019re signing off work, you\u2019re 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.[\/vc_toggle][vc_separator][vc_toggle title=”We just finished a job for local school and they\u2019re threatening to take us to court over damage to their plumbing system. Where do we stand?” style=”simple” color=”green”]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.[\/vc_toggle][vc_separator][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_id=”get-me-covered” el_class=”py-5″][vc_column][vc_custom_heading text=”Sounds good, Get me covered!” font_container=”tag:h2|text_align:center” use_theme_fonts=”yes” el_class=”title white-text my-5″][vc_row_inner el_class=”container text-center my-5 pt-5″][vc_column_inner][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

  [vc_row el_id=”faq”][vc_column][vc_custom_heading text=”Employee” font_container=”tag:h1|text_align:center” use_theme_fonts=”yes” el_class=”title my-5 py-5″][vc_row_inner el_class=”container” el_id=”employeeFAQ”][vc_column_inner][vc_custom_heading text=”Tools” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”I work for an employer but use my own tools, am I covered?” style=”simple” color=”green” el_id=”1507602444352-51a992ee-bc04″]If you own it, you insure it. It\u2019s that simple! Not all employers will have sufficient cover to keep you protected. Our tool cover […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1184","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\n