Why you should obtain your Trades Insurance cover through us
- Join the thousands of SHC clients through our online application/payment process.
- By buying insurance from SHC, we provide you with peace of mind knowing that you have purchased correctly.
- SHC has been specialising in insuring the Trades Industry for over 20 years. The company is one of Australia’s largest in providing insurance services to the Construction and Trades Industry. Our experience and expertise are second to none. We understand the importance of insuring correctly in the Construction and Allied Trades Industry.
- We will provide you with multiple quotes for your budget. You decide which one suits your needs, plus we can provide advice and an easy solution to bind and pay.
- Tailor made products focusing on our client’s individual needs and expectations. We offer you Australia’s most comprehensive insurance products available, all online. These products have been specifically designed by SHC to suit the wide ranging needs of Tradesmen. These include multiple cost effective solutions.
- Comprehensive website content to fully explain the insurance cover you require. We also highlight the pitfalls associated with not insuring correctly.
- SHC stays actively involved with you throughout the insurance period. We have a dedicated claims department to help and assist you with any loss. We have a dedicated and friendly customer service team to see to your every need.
Coverage Available Under a Public Liability Policy
Public Liability protects you for claims by third parties who may suffer personal injury or property damage arising out of negligent or unlawful acts committed in the course of your business.
Every single business, regardless of size, has a duty of care to the general public. If a claim is made and your business is deemed negligent, the courts will award costs and damages against you.
Where a business is the manufacturer or distributor of a product it may also be liable for the failure of those products that it sells under the Trade Practices Act.
A Public and Products Liability policy should provide the following cover for all your business activities;
- Provision and co-ordination of a defence from claims made against your business
- Where your business is deemed negligent; provision for payment of costs and damages, including compensation for bodily injury or property damage that are awarded against you.
In Australia, the majority of successful claims are for simple slip and fall type injuries. This is an alarming fact, as this type of injury can happen to any business and on any work site, including offices. This being the case, every business should have a Public and Products Liability policy in place.
It is important to know that your policy will not cover you for criminal or wilful misconduct and most policies will exclude any risks in the USA and North America.
Public Liability protects you for claims by third parties who may suffer personal injury or property damage arising out of negligent or unlawful acts committed in the course of your business.
Other Insurances to Consider
(please return the TRADESMAN'S INSURANCE - APPLICATION FORM, under downloads below, if you’d like quotes for these additional covers)
Personal Accident & Illness
Provides cover for up to 85% of your pre-disability wages in the event you are injured or ill and are unable to work for a period of time. Subject to waiting periods.
Provides peace of mind for sole traders, or those who cannot be covered under a workers compensation policy, however, you are still able to take this out as a ‘top-up’ cover if covered by workers compensation and they will pay any shortfalls up to the insured amount.
This is based your taxable income and must be substantiated when making a claim.
Tools Insurance
Australia Wide Cover for your portable business equipment & tools for fire & perils. Accidental Damage Cover also available.
Commercial Motor
Covering third party property damage, and damage to vehicles registered under the business name
For more information about Trades Insurance, call 1300 550 665 or use our secure contact us form.
Trades Insurance Applications
Click on the Download button to open the appropriate PDF Application form
