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Why tradies should regularly review their insurance


When it comes to insurance, we tend to take a bit of a set and forget approach. This is fine if you’ve got the right cover you need at the time, but what if things change?

You might have purchased a couple more work trucks, or a new range of tools, but if you haven’t updated your insurance policy to reflect this, you might be in a bit of trouble if anything goes wrong. So here’s why you should review your insurance regularly.

You’re taking on larger projects

Your workload might be on the up-and-up and you’re taking on bigger, better jobs. But does your existing insurance policy cover you for this? Depending on what the limits to your cover are, you might need to check them out with an adviser to make sure you’re still good to go.

You’re changing your business structure

If you’re moving from working solo to running the show, you’ll definitely need to sit down and review your insurance. This is because there’s a lot more at stake now, especially if you own a business that has employees and has bigger operational needs.

You’re working on new builds

You might have been focusing solely on doing reno jobs, but if you move into the new build market, you’ll need to make sure you have the right cover in place. It’s important to figure out who arranges the contract works insurance for each job and whether it’s something you’ll need to sort out.

You’re working with more pros

If you’re now also working with surveyors or engineers, you’ll need to have the right kind of professional indemnity insurance to cover any mistakes or damage that might happen on the job.

You’re doing something specialised

You might have scored a job doing some work at a large manufacturing plant or factory. If so, you’ll need to let your insurer know as you might not be covered for such a specialised area. It’s a good idea to double check before you start the job so you know you’re sorted.

If you’re not sure exactly what you’re covered for and what you’re not, come and chat with one of the experts at Cactus – we’ll get you sorted!

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