Contractors Insurance
Understanding the Risks Contractors Face
Insurance Considerations for Contractors
Contractors operate in environments where a single incident can create a significant financial exposure. You may work on construction sites, commercial premises, residential properties or industrial locations. You may use expensive tools and equipment, engage subcontractors or be required by a principal contractor to carry specific levels of insurance.
Risk Assist Australia can help contractors understand their insurance requirements and arrange cover appropriate to their activities.
Contractual insurance requirements
Many contractors are required to provide certificates of currency and specified levels of liability insurance before commencing work. Some contracts may also contain indemnity, hold-harmless or insurance requirements that can have implications for your insurance arrangements.
We recommend having insurance requirements reviewed before signing significant contracts.
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Contractors Insurance Solutions
Risk Assist Australia can assist contractors with exploring insurance solutions suited to their business activities and individual circumstances. Depending on the nature of your work and contractual requirements, insurance options may include:
- Public Liability
- Products Liability
- Contract Works
- Professional Indemnity
- Tools and Equipment
- Mobile Plant
- Commercial Motor
- Motor Fleet
- Goods in Transit
- Personal Accident and Illness
- Business Interruption
- Management Liability
- Cyber Insurance
Protecting your tools and equipment
Depending on the circumstances, cover may be available for accidental loss or damage, theft and other insured events. We can help identify the assets that need to be insured and consider how and where they are used.
A contractor’s insurance needs can change. Your insurance should be reviewed when you:
- take on larger contracts;
- employ or engage subcontractors;
- purchase new equipment;
- purchase or replace vehicles;
- commence work for a new industry;
- expand into new states;
- undertake higher-risk work; or
- sign contracts containing new insurance requirements.
If your business depends on your ability to work, your insurance should keep pace with your business.
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Ready to discuss your insurance needs?
Get in touch to discuss your insurance requirements. Whether you’re starting a business, reviewing existing cover or expanding operations, our team is here to understand your needs and explore suitable insurance solutions.
Get in Touch Call 02 9622 0018Why Risk Assist Australia
01
Family Owned & Personal Service
A family-owned brokerage focused on long-term client relationships, providing direct access to experienced insurance professionals.
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Western Sydney Based. Australia Wide.
Proudly based in Western Sydney, facilitating insurance placements for clients and risks throughout Australia.
03
Professional Insurance Advice
We take the time to understand your circumstances and explain the insurance options available to you.
04
Broad Insurance Solutions
Access to a broad range of general insurance products and solutions across business, commercial and specialist insurance requirements.
05
Ongoing Support & Claims Assistance
We remain available as your insurance requirements evolve, assisting with policy changes, renewals and claims, including liaison with insurers on your behalf.
