A forklift backs into your truck in the timber yard, or you prang it on your way to the hardware store. Vehicle Insurance will sort you out.
You’ve accumulated a number of since you started as a apprentice and you have them securely locked in your wagon. Some fool breaks in and snatches it all. Don’t worry, Tool Insurance will have you covered.
You’re carrying heavy equipment across site when your phone falls out of your pocket and into a muddy puddle. It’s completely destroyed. (Bet you didn’t know we’ll cover that too!) Once again Tool insurance to the rescue.
If you own it, you insure it. It’s that simple! Not all employers will have sufficient cover to keep you protected. Our tool cover will have you sorted within 48 hours if they get damaged, lost or stolen. If your tools are under 10 years old, you’ll get a spanking new replacement and if they’re older, you’ll get a cash amount.
If you use your own vehicle for work and your employer is insured with Cactus, we’ll have your back for work trips….just don’t assume they’ve got insurance. If you’re unsure, give us a call and we’ll sort you out.
Sorry mate, you’re outta luck, you’ll need separate tool insurance for that. For just a $1 a day, we can cover you for up to $5k of tools. Cheap as bro!
Do they? If you’re are a 100% sure your employer has liability cover, you are protected on site for any property damage or bodily injury. Any work you undertake on the side, you’ll need separate cover for.
If you’re signing off work, you’re 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. You should ask your employer to front up for these costs too!