subject: What You Need To Know About Business Insurance For Painters [print this page] What You Need To Know About Business Insurance For Painters
Painters need insurance that is specifically for painters, a policy that suits their business.
One-size fits all insurance just won't cut it.
When doing your research into insurance for painters, insist on an insurance facility that deals exclusively in tradies insurance and especially for painters.
Some insurance facilities offer all sorts of insurance including home and contents insurance or travel insurance what you need is a tradies insurance facility. To make sure that you are covered properly, the tradesmen insurance facility you deal with needs to understand how painters and other tradesmen run their businesses.
Your insurance adviser should ask questions specific to a painters business this will ensure that you are completely covered when you need to make a claim. For example, many insurance facilities will arrange insurance to cover your work vehicle, but does that cover the ladder on the roof of the car? And what about your trailer and all the stock, work tools and trestles in it are they covered? Your tradesmen insurance advisor will automatically know to point out that you need to cover all that too!
Look for a tradesmen insurance facility that makes things easier and more affordable by allowing painters to pay the insurance premium by the month at no additional cost!
While you're thinking about trades insurance, have you thought about asking your insurance advisers about bundling your insurance into a Painters Insurance Package? A bundled tradesmen insurance package ensures you have public liability insurance so you protected against injury to other people and damage to property owned by others. Your tools and gear are covered with Work Tools Insurance, your ute with Work Vehicle Insurance and your business with tax audit, statutory liability, transit, theft and property insurance.
Now, we all know that accidents happen, but have you considered what you would do if you couldn't work due to illness or injury? Taking out Illness & Injury Insurance (formerly Income Protection) covers you 24 hours a day, 7 days a week whether you are on the job or not. Illness & Injury Insurance provides the peace of mind a painter needs so that you won't risk putting your livelihood at risk.
24/7 income protection insurance covers painters anywhere, anytime. You're covered if you sustain a head injury by slipping on some wet tiles at home, if you get knocked out by a seasonal flu or you wipe out surfing. What a relief to know that your income is protected but only if you've got Illness & Injury Insurance!
Many painters are confused about the difference between WorkCover and Income Protection. If you are laid up and off work for a long period of time, it's Illness & Injury Insurance that you need to keep the money flowing to pay your bills and other living expenses as you recover.
Painters Business Insurance which includes products such as general property, tax audit, transit and statutory liability is also a great idea for painters. Protect your business premises against loss or damage to buildings, contents and any stock which might be the result of fire, storm and water. Theft from your premises also covers your contents and stock.
Painters Business Insurance covers your premises for breakage to glass from a small fracture extending through the entire thickness of the external or internal glass. It also covers buildings owned by you or for which you are legally responsible and this includes fixtures, fittings and underground or above ground services, walls, gates, fences and all other structures improvements at that location.
Compare insurance facilities by organising an online quote and check the exclusions to ensure you benefit from a Painters Insurance Package specific to your requirements and at an affordable price.
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