Concreters Insurance

Being outside and on someone else’s property means public liability for a concreting business or self-employed concreter is considered very important. Accidents happen, people trip or spill concrete and public liability insurance protects a concreting business against claims lodged against them by a third party, a customer, the general public, contractors and suppliers.

It includes cover for third party personal injury, property damage and legal expenses in defending a claim. imar concreter’s insurance offers a choice of indemnity options for 5, 10 or 20 million dollars.

Trusty saws, reliable grinders and pumps are only a few of the tools that may need to be insured in case they are damaged or stolen. imar tool insurance covers your tools of trade, hand held tools, mobile phones, stock and customer’s property which are used by you in the normal course or scope of your business.

Tool insurance protects your tools or stock if they are stolen or damaged.  If your tools are stolen from a locked vehicle or premises, they are protected. If your tools are damaged by fire, vandalism and the collision or overturning of your vehicle, they are protected.

*There are important limitations and conditions on cover, particularly where tools are stored and how they are secured; including a deprecation factor on insured values. Please refer to Product Disclosure Statement.

Concreting is physically demanding and imar’s accident and sickness insurance (injury and illness insurance) covers you 24 /7. Whether you’re pouring a slab or playing footy on the local oval, and you are accidently injured or suffer a covered illness and you can’t work for a temporary time. It covers you for smaller injuries and larger injuries including death and quadriplegia.

Motor vehicles like cars, utes, and vans are essential for concreters and can be covered by imar’s commercial motor insurance comprehensive policy, and as part of your overall roofing insurance. Fully comprehensive, 3rd party and fire, theft and 3rd party policies are available.

With imar’s insurance for concreters, injury to subcontractors is covered and our policy includes Vicarious Liability. So if you use subbies and as a result of their negligence, you are included in a legal action, you are covered.*

*Subcontractors require independent public liability insurance

imar will cover you for up to $10,000 of your accountant’s fees, charges, expenses which are reasonably incurred to prepare for any statutory tax audit on your behalf. Concreters are often targeted for audits, so at IMAR we want to minimise your risk.

As a concreter, contract works insurance might be required to cover damage to the work you are doing while under construction from occurrences such as flood, storm, theft of materials and fire. This might require an additional policy and our friendly team can advise you further.