Carpenters Insurance

The work I completed caused an electrical fault at my customers premises and it burnt to the ground.

I injure someone when a cupboard I installed incorrectly, falls on them.

I have been informed that I need to pay more tax. This is not covered.

I did not lodge my tax return. This is not covered. 

I claimed for costs that I did not incur. This is not covered.

I have been notified that my superannuation guarantee is being audited, I need to pay the professional fees of my accountant.

I have been notified that my payroll tax is being audited, I need to pay the professional fees of my accountant.

I have been notified that my GST is being audited, I need to pay the professional fees of my accountant.

The power went out for a day and I could not operate. This is not covered. 

I have gone into Liquidation and I am losing money. This is not covered.

I have gone into Bankruptcy and I am losing money. This is not covered.

My ceiling collapses in a storm and I can not see my clients.

A truck impacts my building and I can not see my clients.

My Premises has a fire and can not trade.

My employee steals my business money. I would need management liability for this.

My accounts at the end of the month do not balance. This is not covered.

I am held up on my way to the bank and my business money is stolen.

My house is broken into and my business money is stolen

My premises is broken into and my business money stolen from my safe.

My premises is broken into and my business money is stolen.

The original paint on my vehicle has faded. This is not covered.

I am losing income while my car is being repaired, after an accident. I need the ‘rental vehicle after accident’ optional benefit. This is not covered.

I intentionally damaged my own vehicle. This is not covered.

Flood waters have damaged my parked vehicle.

Someone has stolen my locked vehicle.

My comprehensively covered vehicle is crashed into by someone else.

A storm has caused hail damage to my vehicle.

My employee has reversed my vehicle into someone else's vehicle.

Someone has keyed my vehicle.

I left my van unlocked and my tools were stolen. This is not covered.

The grip on my hammer has faded. This is not covered.

My tools are stolen from my locked vehicle and I need to replace them.

My tools fall off the back of the vehicle and need to be replaced.

A customer pays for their photo albums with a fake credit card. This is not covered.

My premises is broken into and my business money is stolen. I would need to take the money section to cover this.

I have a break in and I can not lock up my office.

I have a break and enter at my premises and my camera equipment was stolen.

I have chipping on my ceramic hand basin. This is not covered.

When moving furniture I have knocked a light fitting and it has broken. This is not covered.

I have cracked the screen on my laptop. This is not covered.

My glass sign is broken during a storm.

My ceramic toilet bowl accidently breaks.

Someone throws a stone through my shop window.

My revenue has reduced since I had a fire. I would need Back in Business to cover this.

My digital printer needs to have a service. This is not covered.

My carpet is starting to wear thin and needs to be replaced. This is not covered.

A truck drives into my office causing damage to my business equipment.

My sink pipe breaks and causes water damage to my contents.

My ceiling collapses under weight of storm water and my contents are damaged.

My office camera is knocked off its tripod and needs to be replaced.

Thieves break in and damage my camera equipment.

An electrical fault causes a fire and destroys my office equipment.

I injure someone when they trip over my tools left on the ground.

My customer has an allergic reaction to the treatment I have performed.

My customer has an allergic reaction to the product I have used.

I caused damage to my customers property when I hit a water pipe.

A delivery person is injured when my advertising sign falls on them.

I have an accident in my work vehicle driving to the work site. I would need a motor policy to cover this.

My customer did not like the photos I produced and caused the customer anguish. This is not covered.

The tiles I have put down start to lift and I need to replace them. This is not covered.

• Comprehensive provides cover for theft, loss or damage to your vehicle and legal liability cover.
• Legal liability, fire and theft provides cover loss or damage to your vehicle caused by theft, fire, explosion and lightning and legal liability cover.
• Legal Liability provides cover for damage to third party property only.