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Risks for construction workers and labourers are high. Potential hazards include injury due to falls, trench or scaffold collapse, repetitive motion injuries, damage to property and injuries arising out of failure to use personal protective equipment during work.
The different types of insurance covers needed by construction workers & labourers are:
Public Liability insurance: Public liability insurance may cover damage to third party property, injuries caused to the public because of the activities of construction workers, the cost of unauthorized access, attractive nuisance, and liability for sub-contractors.
Product Liability insurance: Public liability insurance may compensate any loss arising from use of lower-quality products or materials, not following specifications or building codes and defective work.
Theft Insurance: Claims may arise due to theft of materials, tools and equipments.
Commercial Motor Insurance: Businesses dependent upon outfitted trucks and vehicles may need to cover the cost of theft or accidental damage to the vehicle as well as the tools and equipment stored in them
Machinery Breakdown Insurance: This cover may be required for compensating the cost of repair and replacements of tools or equipments positioned on site or taken to site.
Worker’s Compensation: There are significant hazards associated with construction work. Workers may receive injuries on site; work may prove highly strenuous and include lifting heavy objects, long hours of kneeling and stooping. Injuries sustained from such work can easily be compensated with the aid of worker’s compensation insurance.
Construction workers should also consider trailer insurance, ute insurance, van insurance and tools insurance.
Contract Works Insurance may cover risks faced by medium & large construction companies such as risk of fire, site security, damage to goods in transit to/from site, and use of mobile equipment, crane, hoist etc.
For more information on contract works insurance, please click here.
For more information or a quote on insurance for construction workers and labourers TALK to a SMART Business insurance broker on 1300 542 573 or contact us online.
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We are business insurance brokers
What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.
And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^
^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.
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Client Testimonial – Brenda Freeman Meet Brenda Freeman from Global Options Brenda Freeman is co-founder of telecommunication specialists Global Options. Brenda’s Toowoomba based business, are
Are You Gambling With Your Commercial Property Insurance? Commercial investments can be a risky business at the best of times, especially in a perpetually changing
· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!
Any information contained in this website is for informational purposes only and is in no way to be considered personal, financial or legal advice.You should contact an authorised insurance adviser, accountant or solicitor to obtain advice in relation to your specific situation . Use of this website does not create a relationship between SMART Business Insurance and the reader.
SMART Business Insurance is a Corporate Authorised Representative (AR Number 437328) of United Insurance Group (UIG) AFS Number 327131
Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.
*Important: Cover may be available subject to meeting insurers underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations .Talk to a SMART business insurance broker on 1300 542 573 for more information.
enquiry@smartinsure.com.au
1300 542 573
Smart Business Insurance Offices:
Level 11, 484 St Kilda Road, Melbourne VIC 3004
Level 3, 9-11 Claremont Street, South Yarra VIC 3141
Business Hours:
Monday – Friday 8.45 am – 5.30 pm AEST
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