TOOLS & MATERIAL DAMAGE

Policy benefits:

  • Your tools, plant, and equipment are covered anywhere in New Zealand
  • Tools are covered for replacement (new for old) if less than 10 years old
  • Lower than “standard” market excesses
  • Very competitive premiums.

BUSINESS INTERRUPTION

Policy benefits:

If your tools are lost or damaged you can also cover any contingency costs incurred to reduce the interruption to your business, such as hire or relocation costs, etc.


GENERAL & PUBLIC LIABILITY

Policy benefits:

Automatic liability cover for defective workmanship, underground services, vibration damage, sub-contractors, goods on hook, hot work and mechanical plant. We offer highly competitive premiums.


STATUTORY LIABILITY

Policy benefits:

Tradies operate in a regulatory environment, and as a result it can be easy to accidentally neglect our obligations under certain strict acts or statues. Statutory liability covers defence costs, fines, and penalties for the innocent breach of government acts or statues, including the Resource Management Act, and the Building Act. Defence costs and reparation are also available for a breach of the Health & Safety at Work Act.


EMPLOYERS LIABILITY

Policy benefits:

Covers defence costs and reparation for injury to employees outside the cover provided by the ACC. Most often, these claims relate to stress-related or environmental injury or sickness.


LBP PROFESSIONAL LIABILITY

Policy benefits:

Covers LBPs for liability attached to errors in the supervision of non-LBP contractors, and record of work documentation.


COMMERCIAL MOTOR INSURANCE

Policy benefits:

  • Market-leading policy including cover for vehicles in condemned buildings/carparks
  • Removal and re-installation of fit-out, sign writing and wheel/rim sets
  • Excess free windscreen cover extended to include sunroofs, window glass and head/tail lights.

ANNUAL CONTRACT WORKS

Policy benefits:

  • Flexibility to arrange annual or single project contract works policies
  • Automatic cover for off-site storage, transit of materials, landslip and expediting costs
  • Optional cover for existing structures and land.

MANAGEMENT LIABILITY

Cost-effective liability package, incorporating:

  • Directors and officers liability employment disputes
  • Crime
  • Criminal defence costs
  • Highly competitive premiums.

HEALTH INSURANCE

Bespoke life and health insurance, including:

  • Medical
  • Income protection
  • Trauma
  • Total permanent disablement
  • Life
  • ACC CoverPlus Extra.