Running your own trade business in the NZ trades industry comes with its risks – things can go wrong on the job site, with your tools and even your team. Ensuring your business has the right cover is something you shouldn’t skip if you want to protect yourself and your business from unexpected costs and hassles. At Cactus, we’ve got you sorted with your trades insurance needs – we are created by tradies for tradies, offering business protection for all kinds of trade businesses in New Zealand.
Make sure your trades business is fully protected
Here are the key types of business insurance cover that trade businesses should consider:
Public Liability
Accidents happen! Public liability insurance covers damage to third-party property or injury to third parties that occur as a result of your business operations. While it’s not legally required, many clients and contractors will require you to have this insurance before they work with you.
Employers Liability
If you’ve got staff, this one’s a must. Employers liability insurance covers you if an employee is injured or becomes ill as a result of the work and decides to sue your business, you’ll be covered. This will cover situations ACC doesn’t handle, giving you that extra layer of protection.
Contract Works
If you’re in the construction or renovation game, contract works insurance is a no-brainer. It covers damage or loss to a project while it’s being built, so you don’t have to worry about starting from scratch if something goes wrong on-site. This is a key part of business insurance for people in trades.
Tools Insurance
Your tools are your livelihood, so protecting them is a no-brainer. Tools insurance covers the cost of repairing or replacing your gear if it’s lost, stolen, or damaged. Whether you’re on-site or on the road, this insurance protects the tools you need to keep working!
Vehicle Insurance
Your tools aren’t the only important thing – your work vehicle needs protection too. Whether you drive a ute, van, or truck, having the right vehicle insurance is key. Third-party insurance isn’t mandatory in New Zealand, but it’s highly recommended to cover you if anything happens on the road.
Did you know?
We can also help with your domestic insurance, so you can get a comprehensive review of all of your insurance needs in one go!
We can help with:
- Home & Contents
- Vehicles
- Pleasurecraft
- Motorbikes
- Specialty Cars
At Cactus, we keep things simple. Our insurance is designed to cover what you need—nothing more, nothing less. We’ve got your back, whether it’s your tools, truck, or your public liability. Plus, we can even review your current cover to make sure everything’s up to scratch, both at work and at home. Protecting trade businesses from risk is what we do best, ensuring your business is ready for the unexpected.
Take the hassle out of insurance – chat with us today!