Riggers Insurance *

What Insurance Do I Need as a Rigger? *

Some of the major types of business insurance covers available to riggers 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 riggers need public liability insurance? *

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

Riggers need public liability insurance as their work involves lifting, moving, loading , and unloading heavy, expensive equipment .

People and property may be hurt or damaged due to accidents involving rigging work.

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

• Injury to other persons due to your rigging activities –Where a rigger’s business activities cause harm to a third-party person. For example, a client ignores your warnings to stay away from the site and injure themselves when there is an accident in loading or unloading their expensive cabinetry.
• Damage to others property due to your rigging activities – Where a rigger’s business activities causes damages to a third- party’s property. For example, while moving heavy manufacturing equipment for a commercial client ,  the equipment is damaged, and the rigger may be liable for hundreds or thousands of dollars without suitable riggers cover.
• Harm to other persons or other persons property due to your rigging business’s products – Where a rigger’s business’s products and goods supplied causes harm to a third party -person or a third- party’s property. For example, products a rigger has supplied, repaired, or manufactured cause harm, injure someone or cause property damage.

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

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

Business insurance pack for riggers*

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

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

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

Optional inclusions for riggers 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 riggers *

As a self-employed rigger your personal safety is your livelihood.

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

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

General Property and Tools Insurance for riggers *

As a rigger, you are likely to have many tools and equipment that allow you to do your job, such as rigging hooks, pulleys, lifting blocks, shackles, eye bolts, steel nuts, wire ropes and synthetic lifting slides.

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  rigging hooks, pulleys, lifting blocks, shackles, eye bolts, steel nuts, wire ropes and synthetic lifting slides.     ….and help keep you in business.

Commercial motor insurance for self-employed riggers *

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

Plant & Equipment Insurance for rigging businesses*

Plant & Equipment Insurance may provide cover for owners of small rigger & steel fabricator businesses that operate equipment such as cranes, forklifts, rigging hooks, pulleys, lifting blocks, shackles, eye bolts, steel nuts, wire ropes and synthetic lifting slides.

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