We’re all feeling the pinch, and insurance premiums are getting scrutinised like a dodgy invoice. You’re not alone in wondering, “Can I get this cheaper online?” or “Why’s my premium going up?” We all want to save a buck but let’s get real – when it comes to insurance, it’s important to know that you get what you pay for.

Breadth of cover

Don’t get caught out with a stripped-back policy that leaves you exposed. The cheapest option often means: 

• Lower limits on tools or portable equipment – say goodbye to your fancy tools
• No cover for theft from unlocked vehicles – we all know this happens more than we like
• Reduced liability limits or more exclusions – just what you need, more stress

Exclusions and clauses

You might not know what you’re getting into with direct providers or online platforms. Their fine print can be stricter than a trade apprentice’s first day on the job. Watch out for exclusions like:

• Subcontractor liability – whoops, didn’t see that coming
• Gradual damage – yep, it happens slowly, but it still happens
• Faulty workmanship – not exactly what you want to hear when you’re trying to fix someone’s mistake

Claims support

When things go wrong, who’s in your corner? With Cactus, you get:

• A real person advocating for your claim – no automated messages
• Guidance on what’s needed and how to maximise your entitlements – so you don’t get short-changed
• Quicker outcomes thanks to strong relationships with insurers – less stress, more get-back-to-work time

Advice built for trades

We don’t just “sell” insurance – we tailor it to how tradies work. That means thinking about:

• Work done at multiple locations – yep, you’re not stuck in one spot
• Tool protection on the go – because your gear’s worth protecting
• Risks around subcontractors or employee mistakes – know that we’ve got you covered

The risks of going cheap

It might save you a few bucks today, but if your mobile tools get nicked or a claim gets denied due to some dodgy fine print, that “savings” will sting. Don’t get burned at claims time – get in touch with Team Cactus to have your policy reviewed with straightforward advice that makes sense.