fbpx

Plumber

The best way to answer this question is to talk with an insurance expert about your individual needs and objectives, but here’s a quick run down to get you started:

Do you work for a living?

If you work to earn a living, either for yourself or someone else, you need income protection. Income protection will pay you a monthly benefit in the event that you are unable to work due to injury or illness. This benefit will allow you to continue paying the mortgage and all those bills whilst you’re not earning an income.

Trauma and TPD (Total & Permanent Disability) insurances are also very important. Trauma insurance will pay you a lump sum if you suffer a specified trauma event such as heart attack, stroke or cancer. The lump sum can be used to access the best care in the world without having to worry about financial concerns.

TPD insurance will pay out a lump sum in the event that you deemed unable to work ever again. The lump sum can be used to any purpose, including access to the best health care and rehabilitation, as well as paying for home and vehicle modifications that may be required in the event of being in a wheelchair or similar.

Do you have any debts and/or a family to support?

If you have any debts or have a family to support, life insurance is absolutely vital. The lump sum received upon your death or diagnosis of a terminal illness can be used to extinguish your debts, relieving your family of the debt burden. Life insurance can also provide a lump sum amount that can be used to support your family financially if you’re no longer around.

Do you work for yourself?

Public liability is a must for anyone who works for themselves, and for many tradies it is mandatory to have such cover. Public liability will cover you in the event that someone tries to take action against you for any injury or loss they have suffered.

Do you have valuable tools of trade?

Tool insurance will protect you in the event that your tools are lost or stolen. This cover will help you get back to business as soon as possible if someone was to take your gear.

Does your business have key staff who contribute to your profits?

Key person insurance allows you to ensure against the loss of a key person in your business due to injury, illness or death. The lump sum can be used to replace lost revenue and/or provide funds to hiring and training of a replacement.

There are many other type of insurance which may or may not be right for you. We strongly recommend that you speak with a qualified insurance expert in all cases. Call us today on 1800 808 800 to discuss your needs with an insurance expert.

Tradies Love Trade Risk

In 2017 Trade Risk was awarded a Gold Trusted Service Award for the amazing service we offer to thousands of tradies from around Australia.

  • testimonial background
    "Awesome service"
    J Jackson | Trade Insurance - Renewal | Sydney
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "easy to use, no hassle good straight forward pricing"
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "We've been using Trade Risk for a few years now. Communication has always been excellent and prices have been good also."
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "All done with no fuss & good price. Thank you."
    Bruce Rigby | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Trade Risk understands your needs and is very friendly and easy to deal with. Their customer service is excellent!!"
    Frederick Luhn Schonefeld | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "easy to work with, all ways happy to help"
    The Trustee for G Dervisholli Family Trust | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Great communication and service!"
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Cannot fault these guys. They look after our business insurance and vehicle. They save us money as well as time and hassle. I don't bother shopping around each year as I know they'll look after us."
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Very easy to talk with"
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Was helped by Jeremy, very helpful and excellent customer service."
    | Tradesman Insurance |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Good and easy to use"
    Daniel Toohey | Tradesman Insurance |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Very quick and efficient service Thank you"
    | Tradesman Insurance |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "I paid on 07.09.21 & have not received any confirmation,my old policy ran out on 17.09.21 & I still do not know if I am insured I have no certificate of currency. This evening I have emailed your rep. I am very disappointed & concerned that I am not covered."
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Considering Covid and made less money through the was surprised to see rise in premium have been using trade risk for a few years now next year might look around at other options"
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "the staff were very helpful and response was very quick I would recommend trade risk to others very friendly staff"
    Darren Titford | Tradesman Insurance |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "Jennifer was very timely and efficient"
    | Tradesman Insurance |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "great service"
    The Trustee For Cousins Family Trust | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
  • testimonial background
    "We have used Traderisk for our insurances for 6 years now they are always good to deal with."
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
Loading...