* Represents a mandatory field.

What does this mean and why is it important?

Your insurance will commence from the date that you select. It is important that you ensure continuity of coverage e.g. The expiry date of your current policy aligns with the start date of your new policy with All Trades.

Your policy will expire 12 months from the start date.

What does this mean and why is it important?

The Public and Products Liability cover section of the CGU Steadfast Business Insurance Policy provides cover for amounts you become legally liable to pay compensation for Personal Injury and/or Property Damage and/or Advertising Injury (please refer to the Policy Wording for further information). This question allows you to select the level of Liability Cover you would like to take out. Things you should consider In selecting your limit, that you should be aware of:

  1. Any contractual requirements to work on third party sites, as in some cases a minimum level of cover will be required;
  2. if you were to injure an infant, such claims can take over eighteen years to settle and the award would be based on values at that time.
What does this mean and why is it important?

What do we mean by tools?

Tools includes standard plant, tools & and instruments of trade used in your normal business operations but does not include:

  1. mobile plant, motorised vehicles, watercraft,
  2. stock and;
  3. Portable Electronic Equipment

Why is this important?

The General Property cover section of the CGU Steadfast Business Insurance Policy provides cover for damage to your tools (please refer to the Policy Wording for further information). This question allows you to select the level of Tools Cover you would like to take out. When considering the level of cover you would take out you need to determine what the replacement cost is of all these items to ensure that in the event of a loss you have enough cover to replace all your items. If you require cover for tools left secured onsite overnight or your portable electronic equipment, please contact All Trades for a quote.

What does this mean and why is it important?

What do we mean by Full Time Employee?

When answering this question, please provide the full time equivalent of employees (38 hours a week with ongoing employment).

Full time employees may be a combination of one or more part time employees but in total represents a normal working week. This does not include contractors, subcontractors or labour hire personnel (information relating to these parties should be provided in answer to separate questions that we may ask, where applicable).

For example:

  1. Employee 1 – works 2 days
  2. Employee 2 – works 3 days

What do we mean by Manual Work?

Manual mean work involving the hands, as opposed to an office job, for example.

Why is this important?

We use this information for us to consider insurance to meet your circumstances by understanding the size of your business and how many employees are working for you.

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What does this mean and why is it important?

Why is this important?

This question helps us understand the type of cover you are interested in and allows us to highlight options that may work for your business.

All electricians must meet the stated insurance requirements to obtain a Queensland Electrical Contractor License. Insurance requirements ensure that both licensed electrical contractors and consumers are protected. The CGU Steadfast Business Insurance Policy plus the CGU Queensland Electrical Contractors Consumer Protection Endorsement complies with these requirements.

Please note that the number of licensed persons you delcare should not include any licensed contractors, subcontractors or labour hire personnel performing work for you or on your behalf. These parties should take out their own insurance cover.

If you purchase insurance from All Trades, we will then provide you with a certificate of currency, which will confirm you meet the insurance requirements of the Electrical Safety Regulation 2013.

All licensed practitioners must meet the stated insurance requirements, before the Victorian Building Authority may issue or renew your license. Insurance requirements ensure that both licensed plumbing practitioners and consumers are protected. The CGU Steadfast Business Insurance Policy plus the CGU Victorian Licensed Plumbers Warranty Cover complies with these requirements.

Please note that the number of licensed persons you delcare should not include any licensed contractors, subcontractors or labour hire personnel performing work for you or on your behalf. These parties should take out their own insurance cover.

If you purchase insurance from All Trades, we will then provide you with a certificate of currency, which will confirm you meet the insurance requirements of the Licensed Plumbers General Insurance Order 2002.

What does this mean and why is it important?

Type B Gasfitting

Type B gasfitting work is the construction, installation, servicing and maintenance of a type B appliance between the gas isolating valve adjacent to the appliance and any flue connection and includes:

  • repair and replacement of gas components;
  • the commissioning of gas components;
  • the commissioning the gas burner system

A type B appliance for the purpose of type B gasfitting work means any of the following single appliances of input greater than 10 MJ/h and less than 5,000 MJ/h that forms part of an integrated industrial process:

  • a water heater;
  • a space heater;
  • a vat or tank heater;
  • a dryer or oven not associated with volatile solvents or hazardous atmospheres;
  • a batch kiln with flame supervision and safeguards;
  • catering equipment

It also includes the construction, installation, servicing and maintenance of a steam boiler or thermal fluid heater of input less than 10,000 GJ/h that forms part of an integrated industrial process between the gas isolating valve adjacent to the appliance and any flue connection including the repair and replacement of gas components in that appliance.

Why is this important

Where a practitioner is seeking to be licensed, or is licensed in Type B Gasfitting and any other class of plumbing, they will require insurance prescribed in both the Licensed Plumbers (Type B Gasfitting Work) Insurance Order and Licensed Plumbers General Insurance Order 2002.

You will need to speak to All Trades if you require cover for this activity.