Boilermakers Insurance

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Business Insurance for Boilermakers*

Boilermakers need business insurance, including public liability insurance as boilermaking is high liability work,  typically  working with boilers that contain hot liquids and gases.

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

Fortunately, suitable business insurance for boilermakers may provide protection against financial hardships that could arise from accidents, property damage, or legal claims caused by your boilermaking business activities.

Boilermaker business and public liability insurance may cover property damage, injuries to third parties that are caused by your boilermaking equipment and work activities.

Many Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

What Insurance Do I Need as a Boilermaker?*

Some of the major types of business insurance covers available to boilermakers and fitter and turners 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 boilermakers need public liability insurance?*

Public Liability Insurance coverage is essential for all self-employed boilermakers and fitter and turners.

Boilermakers need public liability insurance as boilermaking typically involves working with boilers that contain hot liquids and gases.

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

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

  • Injury to other persons due to your boilermaking activities –Where a boilermaking business activity causes harm to a third-party person. For example, a client ignores your warnings to stay away from the site and get burnt by hot sparks or injure themselves when they trip and fall over debris, or your welding equipment .
  • Damage to others property due to your boilermaking activities – Where a boilermaking business activity causes damages to a third- party’s property. For example, a boilermaker may accidently cause damage where a spark from a welding machine ignites a fire, damaging a client’s or neighbouring property.
  • Harm to other persons or other persons property due to your boilermaking business’s products – Where a boilermaking business’s products and goods supplied causes harm to a third party -person or a third- party’s property. For example, a boiler or machinery a boilermaker has supplied, repaired, or manufactured cause harm, injure someone or cause property damage.

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

A boilermaker’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 boilermakers with protection for slip-and-trip accidents, accidents that damage client property.

Business insurance pack for boilermakers*

Boilermakers and fitter and turners may be able to combine multiple covers in a single business insurance pack policy.

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

For example, if a boilermaker 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 boilermakers with a business insurance pack are Public Liability Insurance and Product Liability Insurance.

Optional inclusions for boilermakers 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 boilermakers*

As a self-employed boilermaker or fitter and turner your personal safety is your livelihood.

Personal accident insurance for boilermakers 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 boilermaker’s income, and a long period away can negatively affect their savings, family, and lifestyle.

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

General Property and Tools Insurance for boilermakers*

As a boilermaker or fitter and turner, you are likely to have many tools and equipment that allow you to do your job, such as Chipping hammers, Welding guns, TIG welders, MIG welders, Flux Cored Arc welders, Stick welders, Welding helmets, Grinders and Spool guns.

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 Welding guns,  TIG welders, MIG welders,  Flux Cored Arc welders, Stick welders, Welding helmets, Grinders and Spool guns….and help keep you in business.

Commercial motor insurance for self-employed boilermakers*

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

Plant & Equipment Insurance for boilermaking businesses*

Plant & Equipment Insurance may provide cover for owners of small boilermaking businesses that operate equipment such as Boilers , Machinery, Welding Machines, Welding Table and Carts, Safety Equipment , Chipping hammers, Welding guns,  TIG Welders, MIG Welders,  Flux Cored Arc Welders, Stick Welders, Welding Helmets, grinders, spool guns and forklifts.

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

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What are the costs of Boilermaker Public Liability Insurance?*

How much does public liability insurance cost for self-employed boilermakers?*

Key factors in determining how much Public Liability insurance will cost a boilermaker include:

  • The nature and scope of the boilermaking business. For example, the type of work performed by the boilermaker.
  • The boilermaking business turnover and size. For example, is the boilermaker a sole trader that does 100% of the work themselves, or do they employee a team of 7subbies?
  • Amount of insurance cover the boilermaking business needs. Liability starts with $5 million cover, $10 million is popular with many self-employed contractors, $20 million cover is needed for boilermakers that work for large companies, on commercial sites or have a team of employees.

Public liability insurance cost for a self-employed boilermaker, and fitter and turner,  with no previous claims, performing simple repair work , starts from around $1600* or $160 per month for $5 million Public Liability Insurance.

*** Please note ***: While cheap Public Liability Insurance can seem attractive on the surface it is important to ensure the policy covers you for the full business activities you undertake, and that the insurance policy and company will respond as intended when there is a claim. Costs may differ greatly from the above based on the boilermakers business size, clients, experience, and business activities. For many boilermakers, that perform structural work or that have employees, costs will be a lot higher.

Do I need business insurance to work as a self-employed boilermaker in Australia?*

Self-employed boilermakers, or boilermaking small business owners, subcontracting for builders will typically be required by the builder to obtain their own public liability insurance to get on site. This is typical for contractors working for builders throughout Australia.

Many small business owners, and even retail clients, will also ask to see proof of a boilermaker’s insurance cover, called a certificate of currency, prior to awarding them work and ask for an update each year.

As a self-employed boilermaker, suitable business insurance may provide credibility and valuable protection against the cost of a claim too.

Key boilermaking activities that may be able to be covered include:*

  • Ongoing maintenance, upkeep, and operation of boilers, vats and other units
  • Testing boiler systems
  • Domestic welding
  • Commercial welding
  • Metal fabrication – non-structural & structural
  • Pipe lines – excluding gas pipelines
  • Stair and balcony manufacturing
  • Earthmoving and machinery repairs
  • Metal work
  • Welding
  • Rigging
  • Steel Fabrication
  • Steel Erection
  • Steel work
  • Sheet metal work
  • Stainless steel and aluminium welding
  • Folding, rolling, bending and powder coating metal
  • Domestic or commercial metal work
  • Aluminium, Stainless, Mild and Galvanised steel work
  • Laser cutting sheet metal

Why do boilermakers need tools insurance?*

Boilermakers need tool insurance as tools are the lifeblood of boilermaking.

They help boilermakers just like you to complete work on time, and to deliver quality workmanship.

Boilermakers have a large number of tools compared to many other tradies. And good tools are expensive. If they break or are stolen, it can impact your ability to get the job done or cost you thousands to replace.

Without tool insurance, you may have to dig into your own savings or borrow money to get the tools replaced or repaired.

Different types of boilermakers that may be able to be covered:*

  • Boilermakers
  • Fitters and turners
  • Welders

Why should boilermakers use an insurance broker in Australia?*

If you are a boilermaker deciding on whether to use an insurance broker for your business insurance, it is important to consider that brokers act in the interests of the self-employed boilermaker.

Direct insurers and agents act for the insurer. This can be important; especially if you need to claim.

Brokers can help boilermakers by sourcing competitive quotes on policy inception, negotiate with the insurance companies to prevent or limit increases on renewal, remarket your policy to other suitable insurance companies where appropriate, talk to underwriters about policy wordings, industry classifications and terms, talk to insurance assessors during the claims process and repairers where necessary.

How do I get a boilermakers insurance quote?*

Simply TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online for suitable and affordable public liability and business insurance quotes for your boilermaking business.