Tradesmen have specific insurance needs. Because most do not have commercial premises that they operate from, they do not need the covers that such a risk would require. Trade people include Electricians, Plumbers, Carpenters, Plasterers, Painters, Bricklayers, Concreters, Cleaners, Garden Maintenance, Lawn Mowers and Cable Installers to name a few.
PUBLIC LIABILITY
Insures all amounts, which you become legally liable to pay as compensation for Personal Injury and/or Property Damage as a result of an incident in connection with your business.
PRODUCT LIABILITY
Insures all amounts, which you become legally liable to pay as compensation for Personal Injury and/or Property Damage as a result of an incident caused by your product. A loss suffered as a result of a faulty or inferior product that you manufactured or supplied would not be covered as bad workmanship is excluded.
TOOLS OF TRADE
Insures your tools against any unexpected or unforeseen incident such as theft from a locked vehicle/locked premises or damage due to a collision or overturning of the vehicle carrying your tools. It is also possible to insure stock under this cover.
PERSONAL ACCIDENT AND ILLNESS
Insures your income should you become unable to work following an illness or an accident. Can also provide a lump sum on Death or loss of a limb.
WORKCOVER
Provides an income should you become unable to work following an illness or an accident suffered at work. Legally compulsory if you are an incorporated company and you pay yourself (and any employee) a wage.
COMMERCIAL MOTOR
Insures your vehicle against theft and accident. Also covers third party damage. This includes All Trucks, Tippers, Prime Movers, Pantechs and Tautliners.
UNREGISTERED MACHINERY
Insures your unregistered machines such as backhoes, excavators and dingo diggers for own damage as well as theft. Third party liability needs to be covered under a separate Liability policy.
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Claims are never pleasant when they occur, however AMGI is here to help! With fast, decisive action we can assist to get you back on track ASAP
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