[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\u2019re the big boss and you need
some protection for you and the minions.<\/h1>\n

[\/vc_column_text][vc_column_text el_class=”text-center mt-5 pt-0 mw-60 m-auto”]Congrats on living the Kiwi dream and owning your own business. However as you know it comes with a load more work and new stresses \u2013 like the joys that come with being an employer. All those muppets report to you now and are looking to you for answers. Fortunately we can help manage some of the stress.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=”naked-cactus” css=”.vc_custom_1511155901596{background-image: url(https:\/\/hicactus.com\/app\/uploads\/2017\/11\/theboss.png?id=1142) !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”][vc_custom_heading text=”The Boss Tool Shed” 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_1511420222228{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” alignment=”center” el_class=”img-fluid d-block d-lg-none c-sm”][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_1511491800228{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” alignment=”center” el_class=”img-fluid d-block d-lg-none c-sm”][vc_column_text el_class=”mr-md-5 pr-md-5″]You drop your 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_1511491898236{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” alignment=”center” 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_1511492142332{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” alignment=”center” 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_1511492377571{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” alignment=”center” 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 a bitch. 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_1511492250132{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” alignment=”center” 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 may cover 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=”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][vc_column][vc_column_text] [\/vc_column_text][\/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-5 py-5″][vc_row_inner el_class=”container” el_id=”faqList”][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” font_container=”tag:h2|text_align:center” 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” font_container=”tag:h2|text_align:center” 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 and will see them back to the job with 48 hours. Too easy![\/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=”I\u2019m thinking of starting my own business, how can I make sure I’m 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” 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 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_row_inner el_class=”container”][vc_column_inner][vc_btn title=”View all Frequently Asked Questions” style=”custom” custom_text=”#666666″ 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\u2019re the big boss and you needsome protection for you and the minions. [\/vc_column_text][vc_column_text el_class=”text-center mt-5 pt-0 mw-60 m-auto”]Congrats on living the Kiwi dream and owning your own business. However as you know it comes with a load more work and new stresses \u2013 like the joys that come with […]<\/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-579","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\n