Fencing Contractors Insurance

What Insurance Do I Need as a Fencing contractor?*

Some of the major types of business insurance covers available to fencing contractors in Australia are explained below and include:

• Public Liability Insurance
• Business Insurance Pack
• Personal Accident Insurance
• General Property and Tools
• Commercial Motor insurance
• Plant and Equipment Insurance

Why do fencing contractors need public liability insurance?*

Public Liability Insurance coverage is essential for all self-employed fencing contractors.

Fencing contractors need public liability insurance as fencing contracting involves digging holes and working with a range of tools and accessories that that make accidents on site possible.

People and property on site may be hurt or damaged due to accidents involving fencing contracting work.

Protections offered to self-employed fencing contractors by public liability insurance in Australia generally include:

• Injury to other persons due to your fencing contracting activities –Where a fencing contracting business activity causes harm to a third-party person. For example, a client ignores your warnings to stay away from the site and injure themselves when they trip and fall on your equipment or fall into a pothole.
• Damage to others property due to your fencing contracting activities – Where a fencing contracting business activity causes damages to a third- party’s property. For example, a fencing contractor may accidently cause damage in a client’s or neighbour’s home while performing work.
• Harm to other persons or other persons property due to your fencing contracting business’s products – Where a fencing contracting business’s products and goods supplied causes harm to a third party -person or a third- party’s property. For example, products a fencing contractor has supplied, repaired, or manufactured cause harm, injure someone or cause property damage.

Public liability insurance coverage may protect fencing contractors from claims that arise when others allege they are negligent.

A fencing contractor’s public liability policy may provide a defence against the ensuing lawsuit when needed and may pay the damages sought by the injured party.

Public Liability Insurance may provide fencing contractors with protection for slip-and-trip accidents, accidents that damage client property.

Business insurance pack for fencing contractors*

Fencing contractors may be able to combine multiple covers in a single business insurance pack policy.

By ‘packaging’ your business insurance into a ‘business pack’ fencing contractors can potentially cover many of the risks their business faces in the one policy.

For example, if a fencing contractor has a commercial premises, a business insurance pack may provide cover for buildings and contents if they are accidentally damaged by a defined event, such as fire, storm, impact damage, accidental damage, vandalism, or malicious damage.

Other typical inclusions for fencing contractors with a business insurance pack are Public Liability Insurance and Product Liability Insurance.

Optional inclusions for fencing contractors with a business insurance pack are General Property, Contents, Machinery, Plant and Stock, Glass, Money, Business Interruption and Marine Cover.

Personal Accident Insurance for self-employed fencing contractors*

As a self-employed fencing contractor your personal safety is your livelihood.

Personal accident insurance for fencing contractors may provide cover for 52 or 104 weeks and up to 85%* of weekly income at the time of the injury; depending on the amount of coverage agreed when the policy is taken out.

Time away from work from an accident will have a direct impact on a self-employed fencing contractor’s income, and a long period away can negatively affect their savings, family, and lifestyle.

Personal Accident Insurance may help self-employed fencing contractors pay for essential bills and other financial commitments if they have an accident.

General Property and Tools Insurance for fencing contractors*

As a fencing contractor, you are likely to have many tools and equipment that allow you to do your job, such as post hole diggers, fencing pliers, fencing spades, notching tools , routing kits, chisel and point crowbars and levels.

If your property is damaged or stolen, your business cannot operate effectively.

General property insurance can help you keep operating effectively.

It can provide needed funds to replace your tools such as post hole diggers, fencing pliers, fencing spades, notching tools , routing kits, chisel and point crowbars and levels…and help keep you in business.

Commercial motor insurance for self-employed fencing contractors*

Commercial motor insurance should be considered for fencing contractors that drive their vehicle from site to site. Light trucks, vans and Utes may be covered.

Plant & Equipment Insurance for fencing contracting businesses*

Plant & Equipment Insurance may provide cover for owners of small fencing contracting businesses that operate equipment such as engine powered augers , fencing lasers , tracking receivers , alignment kits and trailers.

Cover may provide fencing contractors with protection for theft, damage, consequential loss, liability, road risk and machinery breakdown.