Insurance

What public liability covers for a tradie — the $5M/$10M/$20M limits sites require, third-party injury and property damage, the big exclusions (your own work, employees, tools, advice), and how products liability is bundled in.

Workers' comp explained — the state schemes, the ~$7,500 threshold (and no floor for apprentices), why a sole trader cannot cover their own injuries, the deemed-worker and working-director options, and the claim process.

Contract works vs professional indemnity explained — what contract works covers (material damage + third-party liability, resultant damage in, defect-correction out), when you need it, who needs PI, and the claims-made vs occurrence trap.

Tools of trade and income protection explained — what tools cover includes (and the forced-entry/unexplained-disappearance exclusions), sums-insured bands, income protection at 60-75% indemnity basis, taxable benefits, and what's tax-deductible.

The exclusions and gaps that catch tradies out — why PL is not a workmanship warranty, what contract works leaves out (defects, delays, gradual damage), the gaps between the three policies, and why claims get denied.

Home warranty insurance explained for builders — the last-resort scheme that protects homeowners, the per-state names/thresholds/caps (NSW HBC, VIC DBI, QLD QBCC, WA HII, TAS none), coverage periods, triggers and the NSW 3-storey carve-out.

How a tradie makes an insurance claim — the steps, evidence by cover, the six reasons claims get denied, the underinsurance average clause, and how to dispute a denial through IDR and AFCA (the ~$1.26m / 6-year limits).

The three things tradies must insure separately — the vehicle (CTP plus commercial cover), goods/tools in transit, and tools at site — who needs what, the overnight-theft and proof-of-ownership exclusions that sink claims, and how the covers interact. Guidance only.

How Australian tradies cut tool theft from vehicles and keep an insurance claim survivable — layered security (deterrence, physical, electronic, tracking, procedural), tool marking and inventory, the "reasonable precautions" insurers expect, and a daily/overnight checklist. Guidance only.