Have we just stumbled on the Biggest Productivity Increase of the Century?

Is Painting & Decorating for you?

Interested in becoming a Painter & Decorator?

paintingapprenticeships.com.au Painting Apprenticeships brings Apprentices together with Painting Business owners.

Why would a tradie need an Insurance Broker?

As a self-employed tradie, why would you bother using an insurance broker?

Your business is fairly straightforward, you can get quotes from most insurance companies online, and why pay extra fees to a middle-man, right?

Not so fast!

Just like you’d never recommend that your customers DIY their building work, there are good reasons not to DIY your business insurance.

In this guide we’ll look at a few of the myths around using an insurance broker, and why it’s a good idea for any trade business, even if you’re just starting out.

Note: This guide is more targeted at the smaller 1-5 staff trade businesses. Larger trade businesses are generally well aware of the benefits of using an insurance broker.

What will an insurance broker do for me?

The short answer is… They’ll save you time and money! But there’s a lot more to it.

At the quote stage

For starters, a broker will have a chat to you about exactly what it is your trade business does.

You might consider yourself a typical electrician, but when we did a little deeper we might find business activities that fall outside of what most insurance companies consider normal for an electrician.

We can then make sure we place your cover with an insurance company or underwriting agency that will agree to cover those activities.

What does it matter? Well if you have a standard electrician policy and need to make a claim for an activity that falls outside of the insurer’s standard activities, you could find that your claim is declined.

Once we know which insurers are going to be right for you, we can compare premiums to get the most competitive quotes for you.

So not only are we looking to get you the lowest insurance cost, but most importantly the lowest cost for a policy that will properly meet your needs.