Contractors have the ability and opportunity to work anywhere in Australia. As a result it’s important to know what kinds of risks some of our regional contractors might be facing. Here, we’ll take a look at some of the unique risks that contractors working in regional areas of Australia are facing and how to best cover them, as the main point of difference for regional contractors is the type of location you will be working at.
Where are you working?
No matter what type of contractor you are, from a hairdresser or glazier, to an architect or fitness instructor, there is the consideration of your working environment. This is likely to be on your clients’ premises such as a hobby farm, a large acreage, barns, homesteads or farm building. You’ll find on the premises items such as crop, farm machinery farming equipment, types of vehicles, livestock and other rural elements.. These pose unique risks for your work.
It’s important in this case to ensure you have a solid Public Liability policy in place that can cover you for risks on the job as it is difficult to predict the conditions of each work site you will visit. Public Liability Insurance in the regional sector can cover you for injury or damage you might impart on third parties when you visit your clients or if they come to you. For example, leaving an electrical cord running through a building can see one of your clients tripping and injuring themselves, or a bucket of paint being tipped over on a veranda might mean the deck needs replacement. In each case you could find yourself liable for medical bills, or for the replacement or repair of the client property.
For more information on a Public Liability Insurance policy for your regional Australian contracting business, contact us at Elliott Insurance Brokers on 1300 635 315 today and we’ll assist in preparing an insurance policy tailored to your regional insurance needs.