4-in-1 Package
— Nod your head if your vehicle is crucial for your business? If that’s the case then, the 4 in 1 tradies package may be for you as it includes commercial motor insurance. The 4 in 1 tradies package also includes tradies public liability, tradies tool, tradies accident and illness insurance and squares them in to one neat bundle to give you security for your business and assets.
Commercial motor insurance
covers theft and accidental damage by fire, flood, collision, overturning, hail and storm to vehicles. Vehicles can include cars, vans, utes, light trucks, trailers, ride on mowers and heavier vehicles.
Comprehensive cover includes loss or damage to vehicle, theft or attempted theft, choice of repairer, new vehicle replacement in the first 2 years of registration (utes/vans/cars) and permanently fixed or bolted tools of trade to vehicles including tool boxes.
Tradies personal injury and illness insurance
(sickness and accident insurance) protects you financially whether you are injured at work or on the oval over the weekend. If you can’t work for a period of time due to that injury, it pays a weekly amount is payable whilst you are unable to work.*
Public Liability Insurance
Insurance should be highly considered as a must to go on many job sites. Public liability insurance protects you against a potential claim for personal injury or property damage from a third party.
* Third party could be the general public, your customers, your suppliers or your contractors and includes legal expenses in defending a claim.
Tools Insurance
It is another insurance that you should highly consider, as you can’t work without your tools. In the unfortunate event your tools are stolen and you need to lodge a claim, Imar aims to get you back on your tools as soon as possible. Imar tool insurance covers power tools, tools of trade, stock and customer’s property which are used by you in the normal course or scope of your business.
Tool insurance covers power tools, hand held tools, compressors, surveying equipment, mobile communication equipment, ropes, chains or tarpaulins, computers, notebooks, laptops, electronic diaries or GPS units.