As a tradie, you would understand the importance of having good insurance cover in place. You’re in an industry where there is an increased risk of things going wrong due to the hands-on nature of your work and need these areas of risk to be covered with insurance.
However, it’s always good to avoid the hassles associated with a claim in the first place so today we’ll be discussing ways tradies can avoid insurance claims.
Store your tools correctly
One of the best ways to prevent having to make an insurance claim on your Property and Tools Cover is to store your tools correctly. Leaving your tools in plain sight in your work vehicle leaves you open to theft so make sure they are out of sight in a locked toolbox. If you store your gear in the back of your ute, bolt down your toolbox and keep it locked at all times.
Try and park your work vehicle in a secure location rather than on the street so you’re not a target for opportunistic thieves or bring your toolbox in at night.
Be proactive about risks to a third party
Sometimes accidents happen no matter what measures you put in place and that’s what your Public Liability Insurance is for. However, some things can be prevented and it’s vital that you’re mindful of potential risks. Clear any hazards, such as equipment or tools left lying on the ground, and put up signs warning people of dangers. Before you start work, take a look around to make sure there are no obvious issues that could cause damage or injury and be especially mindful if you know you’ll have people on your work site.
Make your safety a priority
Being a tradie can be a hazardous job and although your Personal Accident and Illness Cover is there to protect you financially if you’re injured, it’s best to avoid this in the first place. Be mindful of hazards in your workplace and don’t become complacent. Always wear protective gear if required and be cautious when working from heights. Protect your back when it comes to heavy lifting and don’t attempt to move heavy items that require two people.
Get the correct advice
When it comes to knowing your areas of risk so you can avoid an insurance claim, your broker is the best person to speak with. They have the industry knowledge to help you with strategies to reduce the risk of things going wrong.
Your insurance broker can also let you know of any exclusions attached to your insurance policy so you don’t have any nasty surprises if you do want to make a claim. For example, with your Property and Tools Cover, you may not be successful with a claim if your tools were not secured or if they were left on site overnight.
For an insurance package for your business, contact All Trades Cover today on 1300 826 850.
