[vc_row el_id=”parallax-banner”][vc_column][vc_row_inner el_id=”top”][vc_column_inner el_class=”container”][vc_column_text el_class=”text-center”]<\/p>\n

You don\u2019t answer to the man
and you need to cover your own butt.<\/h1>\n

[\/vc_column_text][vc_column_text el_class=”text-center mt-5 pt-0 mw-60 m-auto”]You\u2019re either working on your own as a one-man band, or you’re contracted on a bigger site \u2013 either way you\u2019ve got a bunch of tools and a whole new set of risks you didn\u2019t have as an apprentice. Clients bring risk, but we\u2019ve got you covered (especially for those ones that are a right pain in your butt\u2026 you know the ones we\u2019re talking about.)[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=”naked-cactus” css=”.vc_custom_1511156023476{background-image: url(https:\/\/hicactus.com\/app\/uploads\/2017\/11\/subbie.png?id=1144) !important;}”][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=”sub-sticky”][vc_column_inner el_class=”m-auto text-center container” css=”.vc_custom_1511836778473{padding-top: 0px !important;}”][vc_custom_heading text=”The Subbie Tool Box” font_container=”tag:h3|text_align:center” use_theme_fonts=”yes” el_class=”d-inline-flex title-25 align-bottom mb-3″][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=”container py-4 text-center”][vc_column_inner][\/vc_column_inner][\/vc_row_inner][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row disable_element=”yes” el_id=”snav” el_class=”fixed-top”][vc_column][vc_wp_custommenu nav_menu=”4″ el_class=”nav justify-content-center text-center”][\/vc_column][\/vc_row][vc_row el_id=”what-covered” el_class=”carousel slide” css=”.vc_custom_1509684197824{background-color: #fafafa !important;}”][vc_column el_class=”carousel-inner”][vc_row_inner el_class=”py-lg-5 py-3 sec2 carousel-item active a1″ css=”.vc_custom_1511420053754{background-image: url(https:\/\/hicactus.com\/app\/uploads\/2017\/11\/tools-banner-img.png?id=1319) !important;}”][vc_column_inner offset=”vc_col-lg-6″][vc_custom_heading text=”WHAT AM I COVERED FOR?” use_theme_fonts=”yes” el_class=”title mb-lg-5 pb-lg-5″][vc_custom_heading text=”Protecting you from the wide load” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” el_class=”title-25 green-text my-lg-5 my-4″][vc_single_image image=”1319″ img_size=”full” el_class=”img-fluid d-block d-lg-none c-sm mt-5 pt-5″][vc_column_text el_class=”mr-md-5 pr-md-5″]A forklift backs into your ute in the timber yard, or you prang it on your way to the hardware store. Vehicle insurance will help you here.[\/vc_column_text][vc_btn title=”Learn more” style=”custom” custom_text=”#666666″ el_class=”r-btn-green cbtn” link=”url:http%3A%2F%2Fhicactus.com%2Fproducts%2Fvehicle-insurance%2F|||”][\/vc_column_inner][vc_column_inner width=”1\/2″][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=”py-lg-5 py-3 sec2 carousel-item” css=”.vc_custom_1511831695713{background-image: url(https:\/\/hicactus.com\/app\/uploads\/2017\/11\/Tool-Insurance-3-1.png?id=1355) !important;}”][vc_column_inner offset=”vc_col-lg-6″][vc_custom_heading text=”WHAT AM I COVERED FOR?” use_theme_fonts=”yes” el_class=”title mb-lg-5 pb-lg-5″][vc_custom_heading text=”Protecting your tools from the tools” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” el_class=”title-25 green-text my-lg-5 my-4″][vc_single_image image=”1506″ img_size=”full” el_class=”img-fluid d-block d-lg-none c-sm”][vc_column_text el_class=”mr-md-5 pr-md-5″]You drop\u00a0your tools to go on smoko, when you get back your tools are gone. Some fool has gone and nicked them all! Tool insurance will help you here.[\/vc_column_text][vc_btn title=”Learn more” style=”custom” custom_text=”#666666″ el_class=”r-btn-green cbtn” link=”url:http%3A%2F%2Fhicactus.com%2Fproducts%2Ftool-insurance%2F|||”][\/vc_column_inner][vc_column_inner width=”1\/2″][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=”py-lg-5 py-3 sec2 carousel-item” css=”.vc_custom_1511491907812{background-image: url(https:\/\/hicactus.com\/app\/uploads\/2017\/11\/PI-Insurance.png?id=1358) !important;}”][vc_column_inner offset=”vc_col-lg-6″][vc_custom_heading text=”WHAT AM I COVERED FOR?” use_theme_fonts=”yes” el_class=”title mb-lg-5 pb-lg-5″][vc_custom_heading text=”When the blame’s on your shoulders” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” el_class=”title-25 green-text my-lg-5 my-4″][vc_single_image image=”1519″ img_size=”full” el_class=”img-fluid d-block d-lg-none c-sm”][vc_column_text el_class=”mr-md-5 pr-md-5″]You\u2019ve signed off some work on a client\u2019s roof but turns out you cocked it up royally and now the owners are after you. PI insurance will help you here.[\/vc_column_text][vc_btn title=”Learn more” style=”custom” custom_text=”#666666″ el_class=”r-btn-green cbtn” link=”url:http%3A%2F%2Fhicactus.com%2Fproducts%2Fprofessional-indemnity-insurance%2F|||”][\/vc_column_inner][vc_column_inner width=”1\/2″][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=”py-lg-5 py-3 sec2 carousel-item” css=”.vc_custom_1511492157584{background-image: url(https:\/\/hicactus.com\/app\/uploads\/2017\/11\/Liability-Insurance.png?id=1361) !important;}”][vc_column_inner offset=”vc_col-lg-6″][vc_custom_heading text=”WHAT AM I COVERED FOR?” use_theme_fonts=”yes” el_class=”title mb-lg-5 pb-lg-5″][vc_custom_heading text=”There when you mess up” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” el_class=”title-25 green-text my-lg-5 my-4″][vc_single_image image=”1513″ img_size=”full” el_class=”img-fluid d-block d-lg-none c-sm”][vc_column_text el_class=”mr-md-5 pr-md-5″]You\u2019re doing a reno and you damage the clients rimu floor. Don\u2019t poo yourself, Liability insurance will help you here.[\/vc_column_text][vc_btn title=”Learn more” style=”custom” custom_text=”#666666″ el_class=”r-btn-green cbtn” link=”url:http%3A%2F%2Fhicactus.com%2Fproducts%2Fliability-insurance%2F|||”][\/vc_column_inner][vc_column_inner width=”1\/2″][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=”py-lg-5 py-3 sec2 carousel-item” css=”.vc_custom_1511492427245{background-image: url(https:\/\/hicactus.com\/app\/uploads\/2017\/11\/Liability-Insurance-2.png?id=1367) !important;}”][vc_column_inner offset=”vc_col-lg-6″][vc_custom_heading text=”WHAT AM I COVERED FOR?” use_theme_fonts=”yes” el_class=”title mb-lg-5 pb-lg-5″][vc_custom_heading text=”You clumsy tool” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” el_class=”title-25 green-text my-lg-5 my-4″][vc_single_image image=”1514″ img_size=”full” el_class=”img-fluid d-block d-lg-none c-sm”][vc_column_text el_class=”mr-md-5 pr-md-5″]You were trying to be clever with your hammer when it falls off the scaffolding and you nail old mate square on the head. Health and safety is very complicated. And so are your juggling skills. Don\u2019t stress, Liability insurance has you covered here.[\/vc_column_text][vc_btn title=”Learn more” style=”custom” custom_text=”#666666″ el_class=”r-btn-green cbtn” link=”url:http%3A%2F%2Fhicactus.com%2Fproducts%2Fliability-insurance%2F|||”][\/vc_column_inner][vc_column_inner width=”1\/2″][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=”py-lg-5 py-3 sec2 carousel-item” css=”.vc_custom_1511492262291{background-image: url(https:\/\/hicactus.com\/app\/uploads\/2017\/11\/Employers-Liability-Insurance.png?id=1364) !important;}”][vc_column_inner offset=”vc_col-lg-6″][vc_custom_heading text=”WHAT AM I COVERED FOR?” use_theme_fonts=”yes” el_class=”title mb-lg-5 pb-lg-5″][vc_custom_heading text=”When old mate feels entitled” font_container=”tag:h3|text_align:left” use_theme_fonts=”yes” el_class=”title-25 green-text my-lg-5 my-4″][vc_single_image image=”1530″ img_size=”full” el_class=”img-fluid d-block d-lg-none c-sm”][vc_column_text el_class=”mr-md-5 pr-md-5″]Your foreman messed up, you ripped him a new one and fired him on the spot. Great to have him offsite, but you\u2019ve opened up a can of worms as he\u2019s now taking you to employment court. Employer\u2019s Liability will cover your ass here.[\/vc_column_text][vc_btn title=”Learn more” style=”custom” custom_text=”#666666″ el_class=”r-btn-green cbtn” link=”url:http%3A%2F%2Fhicactus.com%2Fproducts%2Fliability-insurance%2F|||”][\/vc_column_inner][vc_column_inner width=”1\/2″][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=”slide-nav”][vc_column_inner][vc_btn title=”Previous” style=”custom” custom_background=”#ffffff” custom_text=”#13143e” custom_onclick=”true” el_class=”prev-slide r-btn-white” custom_onclick_code=”$(‘.carousel’).carousel(‘prev’);”][vc_btn title=”Next” style=”custom” custom_background=”#ffffff” custom_text=”#13143e” custom_onclick=”true” el_class=”next-slide r-btn-white” custom_onclick_code=”$(‘.carousel’).carousel(‘next’);”][vc_raw_html el_class=”indicator-container”]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[\/vc_raw_html][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_id=”the-tools” css=”.vc_custom_1535019352554{background-color: #13143e !important;}” el_class=”bottom-sec”][vc_column][vc_row_inner][vc_column_inner width=”1\/4″][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_custom_heading text=”MORE THAN JUST INSURANCE” font_container=”tag:h2|text_align:center” use_theme_fonts=”yes” el_class=”title white-text my-5″][vc_column_text el_class=”text-center white-text tools-bottom-text”]<\/p>\n

Here at Cactus we understand what tradies want and need from insurance. As well as covering you with one simple policy, we\u2019ve thrown in some pretty sick deals too. Sweet as!<\/p>\n

[\/vc_column_text][vc_custom_heading text=”JUST SOME OF OUR RAD PARTNERS” font_container=”tag:h2|font_size:15|text_align:center” use_theme_fonts=”yes” el_class=”title white-text my-5″][\/vc_column_inner][vc_column_inner width=”1\/4″][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=”yes” el_class=”d-md-flex tool-list”][vc_column_inner el_class=”tool-item one” width=”1\/2″ offset=”vc_col-lg-3 vc_col-md-6″][vc_empty_space height=”20px” el_class=”screw-this top”][vc_single_image image=”2963″ img_size=”full” alignment=”center” el_class=”ci”][vc_custom_heading text=”10% OFF* ANNUAL SUBSCRIPTION!” font_container=”tag:h5|text_align:center” use_theme_fonts=”yes” el_class=”cct”][vc_column_text el_class=”text-center mb-0″]We\u2019ve teamed up with the guys over at HazardCo to provide you with all the training and info you need to tick all the health and safety boxes and stay compliant.[\/vc_column_text][vc_empty_space height=”20px” el_class=”screw-this bot”][\/vc_column_inner][vc_column_inner el_class=”tool-item two” width=”1\/2″ offset=”vc_col-lg-3 vc_col-md-6″][vc_empty_space height=”20px” el_class=”screw-this top”][vc_single_image image=”2252″ img_size=”full” alignment=”center” el_class=”ci”][vc_custom_heading text=”ACCOUNTING PACKAGE FROM $40″ font_container=”tag:h5|text_align:center” use_theme_fonts=”yes” el_class=”cct”][vc_column_text el_class=”text-center mb-0″]Paperwork shmakerwork! The suits over at Haven are offering accounting packages to Cactus clients starting from only $40![\/vc_column_text][vc_empty_space height=”20px” el_class=”screw-this bot”][\/vc_column_inner][vc_column_inner el_class=”tool-item three” width=”1\/2″ offset=”vc_col-lg-3 vc_col-md-6″][vc_empty_space height=”20px” el_class=”screw-this top”][vc_single_image image=”2250″ img_size=”full” alignment=”center” el_class=”ci”][vc_custom_heading text=”15% OFF ONLINE ORDERS” font_container=”tag:h5|text_align:center” use_theme_fonts=”yes” el_class=”cct” css=”.vc_custom_1535020923216{margin-bottom: 50px !important;}”][vc_column_text el_class=”text-center mb-0″]Our friends at ilabb are one of NZ\u2019s most recognizable labels and they want you to always look dope. Cactus customers get 15% off online orders.[\/vc_column_text][vc_empty_space height=”20px” el_class=”screw-this bot”][\/vc_column_inner][vc_column_inner el_class=”tool-item four” width=”1\/2″ offset=”vc_col-lg-3 vc_col-md-6″][vc_empty_space height=”20px” el_class=”screw-this top”][vc_single_image image=”2253″ img_size=”full” alignment=”center” el_class=”ci”][vc_custom_heading text=”15% OFF VEHICLE SIGNWRITING” font_container=”tag:h5|text_align:center” use_theme_fonts=”yes” el_class=”cct”][vc_column_text el_class=”text-center mb-0″]For sick as branding and signage on your work gear, look no further than DoctorB. They\u2019re even offering Cactus members 15% off vehicle signwriting.[\/vc_column_text][vc_empty_space height=”20px” el_class=”screw-this bot”][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_btn title=”Check out more deals” align=”center” el_class=”tools-bottom-button” link=”url:https%3A%2F%2Fhicactus.com%2Fbenefits%2F|||”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_id=”faq”][vc_column][vc_custom_heading text=”Frequently Asked Questions” font_container=”tag:h2|text_align:center” use_theme_fonts=”yes” el_class=”title my-lg-5 py-lg-5 mt-3 mb-5 py-2″][vc_row_inner el_class=”container” el_id=”faqList”][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” font_container=”tag:h2|text_align:center” use_theme_fonts=”yes” el_class=”title-25 calibre-medium my-5″][vc_toggle title=”My tools got pinched on my first day on the job. How long will it take to replace them?” style=”simple” color=”green” el_id=”1507603461360-40055bcb-f97f”]We don\u2019t want you to miss your livelihood so we\u2019ll have you back to work with everything you need in 24 – 48 hours. You\u2019ve probably got some pretty sweet stuff in there too. That\u2019s why all gear under ten years old will be replaced with a brand spanking new set.[\/vc_toggle][vc_separator][vc_custom_heading text=”Vehicle” font_container=”tag:h2|text_align:center” 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” font_container=”tag:h2|text_align:center” 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” font_container=”tag:h2|text_align:center” 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 i’m 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_row_inner el_class=”container”][vc_column_inner][vc_btn title=”View all Frequently Asked Questions” style=”custom” custom_text=”#666666″ size=”lg” align=”center” button_block=”true” custom_onclick=”true” el_class=”r-btn-blue fw show-faqs” link=”|||” custom_onclick_code=”ShowFAQ()”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row el_id=”parallax-banner”][vc_column][vc_row_inner el_id=”top”][vc_column_inner el_class=”container”][vc_column_text el_class=”text-center”] You don\u2019t answer to the manand you need to cover your own butt. [\/vc_column_text][vc_column_text el_class=”text-center mt-5 pt-0 mw-60 m-auto”]You\u2019re either working on your own as a one-man band, or you’re contracted on a bigger site \u2013 either way you\u2019ve got a bunch of tools and a whole new set of […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":92,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-577","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\n