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What insurance should you take out – and what can it cover?

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Insurance can look after you and your crew — whether you’re on site, heading to the job, or back in the office.

Contract Works
This one’s for any buildings under construction and the gear you’re using on site. It can cover you for things like:

  • Natural disasters (fire, quakes, storms, floods, wind, water damage)
  • Damage caused by defects
  • Theft, vandalism, smashed glass
  • Third-party injuries or property damage

Liability Insurance
Covers your business premises and can protect you from:

  • Machinery or equipment breakdown
  • Employee dishonesty
  • Property or glass damage
  • Legal dramas — public and product liability, tax audits
  • Theft, or loss of cash

Material Damage Insurance
Covers the physical stuff — your buildings, contents, tools, stock, and gear — if there’s sudden damage or loss from things like fire, theft, or natural disasters. You can choose to insure it for replacement value or indemnity.

Motor Insurance
Keeps your work vehicles sorted, with cover to:

  • Help if you or your team damage someone else’s vehicle
  • Repair your vehicle after a crash
  • Replace it if it’s written off, lost or stolen
  • Cover legal liability from accidents

Professional Indemnity
Covers you if a client takes legal action over a breach of professional duty — like giving advice or work that causes a financial loss.

Whether you’re onsite, behind the wheel, or back at the office — insurance protects you, your team, and your gear. From Contract Works to Motor, Liability, Material Damage, and Professional Indemnity — we’ve got your back when things go sideways.

Keen to sort cover that actually fits your business? Chat with our team!

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