There are lots of trades insurance providers in the market place. A lot offer trades insurance policies, but don’t back it up with the know-how, service, or customised covers.When organising your trades insurance, it’s important to find a dedicated provider that not only offers policies with broad coverage and affordable premiums, but also understands trades insurance and has tailored solutions to individual business needs.
“Off the shelf’ trades insurance products often miss the key differences between business activities. Would a Carpenter and a Cleaner have the same considerations? There’d be some overlaps, sure, like any trade, but what might benefit one could disadvantage another.
That’s where a specialised adviser, like us friendly folks at imar, can come in handy.
We can offer tailored policies for different trades, review clauses and ensure the cover you have in place is right for your trade, not just for any old tradie.
In the event of a claim, this can make all the difference.
Having something ‘off the shelf’ – a cheap and possibly nasty product from a direct insurance company, could cause you a number of problems in the event of a claim:
• Restricted activity
• Higher excess for certain events
• Restricted location
• Exclusion of cover for certain activities
As you could imagine, finding this out at the wrong time could be extremely stressful and costly to you.
Trades Insurance, whether it’s cheap, easy or both, isn’t the right insurance if it doesn’t protect you when it needs to. The whole point of insurance is so it’s there come claim time – while premium is always an important consideration, it’s usually the last thought on your mind when you have a claim. Then, your one and only question will be – am I covered?
At imar, trades insurance is our speciality – day in, day out. We understand the difference between trade occupations and offer tailored policies to suit your business needs.
Coupled with our friendly and prompt service, where you’ll never hang around on hold, we think we’ve got the combination right when it comes to trades insurance. Give us a call today or visit https://www.imar.com.au/tradies-insurance/ to discuss your needs.