As a plasterer, you have a specialised skillset which is always in demand. From fixing holes in walls or ceilings to creating decorative textures for a unique look, your work can offer you a variety of different projects. No matter how busy you get, it’s important to remember that you need to have the protection of insurance as you go about your work. Let’s take a look at some of the most common forms of insurance that plasters should consider.
Public liability insurance
Public liability insurance offers financial protection if you cause injury to a third party or damage to property as a result of your actions at work. It also covers legal bills if you need to hire a lawyer as part of the claims process. In your work as a plasterer, accidents can happen and all it would take is for you to accidentally damage client property when you’re onsite or for someone to injure themselves on your tools for you to find yourself liable for thousands, or even hundreds of thousands, of dollars. Public liability insurance offers ongoing peace of mind and there is often an expectation that plasterers will have this kind of cover in place.
General property insurance
General property insurance means that your transportable items are covered if they’re lost, damaged or stolen. For plasterers who carry their tools with them every day, it’s easy to see why you need to have cover in place. Even if your tools aren’t worth a significant amount of money separately, it adds up when you need to pay for multiple repairs or replacements. General property cover means that you don’t have to use your own money if something happens to your gear.
Personal accident and illness insurance
Having personal accident and illness insurance in place means that you’ll continue to receive a portion of your income, generally between 75% and 85%, if you’re unable to work following an accident or illness. These payments will last for the duration of your benefit period or until you can return to work. For plasterers who are not only often self-employed but also have a physical job, personal accident insurance offers important protection and means that you’re able to keep up with ongoing expenses if you find yourself unable to work. When something as simple as a back injury can mean that you’re off work for a significant amount of time, it’s easy to see why personal accident and illness insurance is important.
Here at Contactor Cover, we’ve included all of the main insurance policies that apply for contractors into one convenient package. This offers you the ultimate in convenience and no messing about with multiple policies. We’re backed by one of the world’s largest insurers which means we offer some of the best prices around. We strive to make insurance as easy as possible for contactors across Australia.
To find out more about insurance for plasterers, contact Contractor Cover today on 1300 438 268.