|Income Protection | Life Insurance | Public Liability | Tool Insurance | TPD Insurance | Trauma Insurance | Business Expense Insurance | Key Person Insurance | Which do I need?|
Tradesman InsuranceWe specialise in trade insurance solutions for all New Zealand tradesmen and women.
Whatever your trade is, we know what you need and can assist with your public liability, tool insurance, income protection and much more.
Whether you just want the cheapest cover to get onto the worksite, or want a comprehensive trade insurance plan, we can help.
Don't risk everything you've worked towards, trust the professionals to take care of your trade insurance needs.
We do the running around so you don't have to. Here are just a few of the insurers we use and recommend:
Why is insurance so important for tradies?
According to figures released by Macquarie Life (June 2009), manual and trade workers make up the overwhelming majority of income protecton claims.
People who are self-employed, particularly in the manual trade professions, should definitely consider income protection insurance.
Most of these claims are related to musculoskeletal injuries.
Just like you invest in good quality tools, investing in good quality insurance can provide great benefits down the track.
Investing in good quality public liability insurance may only cost you $50 a month, but the returns can be significant. Causing $10,000 worth of damage whilst on the job isn't that uncommon, and if your public liability covered that cost for you it would be equivalent to over 16 years worth of premiums.
If you caused $50,000 worth of damage (which isn't unheard of) the payout would be equivalent to over 83 years worth of premiums! You cannot argue that paying your trade insurance premiums would not have been a great investment.
It's the same story with trade tool insurance.
$10,000 worth of tool insurance may cost you around $25 a month, but if all your tools were stolen (which will happen to most tradies at least once in their life) the payout will cover 33 years worth of premiums!
When you start doing the same sums for income protection and life insurance the potential returns are dramatically higher.
So stop looking at your trade insurance as an expense, and see it for what it really is - one of the best investments you can make in yourself and your business.
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Trade Risk has been named one of the country's smartest companies!
9 September 2011 Industry super funds outsourcing your insurance overseas.
8 September 2011 The September trade newsletter is now available.
12 June 2011 Our June 2011 newsletter is now available online.
1 May 2011 Get a free double pass to the National Tradesman's Expo!
7 February 2011 The insurance needs for subcontractors and subbies.
7 February 2011 Public liability insurance for tradesmen.
15 January 2011 Information for tradies assisting with the Brisbane flood rebuilding.
14 January 2011 Welcome to 2011 and our January newsletter.
3 December 2010 Our final newsletter for 2010 is well worth a read.
28 November 2010 We've just added a new 'about us' section to the website.
26 November 2010 Check out our new 'Frequently Asked Questions' section.
2 November 2010 The November newsletter is loaded with great info.
Information on this website should be seen as general advice only, as it does not take into account your personal circumstances. You should not act upon any information on this website without first consulting a qualified financial adviser or insurance broker