Tiler's Busines Risks

Tiler's Insurance Essentials

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With the daily grind of your running your own business it can be hard to find the time to think about your risks and insurance needs. The resources below may be useful in identifying some of these.

Your risks

By understanding what risks you face, you may be able to better understand what insurance policies are most necessary for your tiling business.

Your insurance needs

Anything can happen at any time while you’re performing your day to day tiling activities. However, with the right insurance you can take away the worry, enabling you to work confidently in the knowledge that your business is protected.

Risk Examples for Tilers

As a tiler you're faced with a number of hazards at work. It can be hard to sit down and find the time to consider your insurance needs

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Product Liability

Product Liability Insurance may cover costs associated with your legal liability should you be found responsible for loss or injury to a third party due to your product.

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Public Liabiilty

Working in construction and building means that you need to consider Public Liability Insurance as a priority. Public Liability Insurance may protect your business from costly claims made against you for injuries and property damage to third parties.

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Motor Vehicle

Commercial Motor Vehicle insurance is an important consideration for tilers. If you're involved in a motor vehicle accident, you may be held legally liable for damage to property belonging to others which may set you back thousands of dollars.

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Complex risks for Tilers

We recognise that running a small business can be complex. That is why we've partnered with a network of insurance advisers who can help assess your risks and suggest what cover will best suit your unique needs.

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Enter your suburb or postcode to locate an adviser near you today.

Business Interruption

Business Interruption insurance may protect your business from unforeseen insured events that get in the way of your business operating normally. It may provide a safety net to compensate your business for loss or income until it’s able to operating to the capacity prior to the insured event occurring.

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Need help choosing the right insurance?

We’re here to help you work out which insurance policy is right for your business. Our friendly CGU insurance specialists can answer all your questions, or you can turn to an insurance adviser for help in assessing your risk and working out the right cover for your needs.

Meet one of our tradies

Mike was on the job at a customer’s house when a visitor tripped over and injured themselves on tools Mike had left in the driveway. The visitor sued Mike and he was ultimately held liable for the person’s injuries.

Luckily, the Broadform Liability section of Mike’s Business Insurance Policy meant he was covered for his legal liability to pay compensation for Personal Injury. It included the amount awarded to the third party and coverage for CGU’s costs to defend Mike against the claim.

These costs add up and without Liability Cover, the impact of Mike’s legal costs and court awards could have put him out of business.

Making an insurance claim

At CGU we pride ourselves on our superior claims process and customer service. You can lodge a claim anytime – 24 hours, 7 days a week by calling 13 24 80. Follow the below tips to ensure your claims process is as seamless as possible.

  • What to provide when calling to make a claim

    When you call us to lodge a claim, you’ll be asked to provide: Your policy number or personal contact details, and the contact details of anyone involved in an incident, including their name, current address, vehicle registration details, phone number and insurance details if known. Any letters, notices or court documents about the incident, and the incident report number for any claims in relation to theft or attempted theft, vandalism or a malicious act (the police will provide you with this number when you report the incident to them).
  • How to help the claims process

    Taking photos of damage to your property and keeping damaged property and items, so we can inspect and assess the damage if required
  • How emergency repairs work

    If you need to make emergency repairs, please call us on 13 24 80 and we will arrange assistance through our repairer and supplier network

Make a claim over the phone

13 24 80

24 hours a day, 7 days a week

Or contact your broker

Associations and Resources for Tilers

As a small business or sole trader you will likely be looking for support or help in any way you can to try to enhance and grow your business. You may find the resources below useful.

Australian Tile Council

http://www.australiantilecouncil.com.au/

You may find this a useful resource for industry information, training support, latest tile product information, brochures and so on.

This website may contact links to third party websites. CGU does not make any representations as to the contents of any third party websites and expressly disclaims that it operates any third party websites.

Get a quote for trades insurance today

Our trades insurance is designed to cover the unique needs of tradies. Choose the level of cover that works for your business in just a few easy steps. CGU Trades Insurance covers you for:

  • Liability Insurance for onsite business protection
  • Tool cover with flexibility to add on site overnight storage
  • Portable Electronic Equipment cover for devices such as mobiles, tablets and laptops if they are stolen, damaged or lost.
  • Commercial motor vehicle insurance to cover your work vehicle or trailer
Get a quote now

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