TRADE PERSON’S INSURANCE

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We have special policies for:

Contracts works – with higher limits & wider cover than many standard NZ policies

Tools of trade – our policy can have a $100 excess; most NZ policies have excess of $1,000/$2,500.

Our policy does not depreciate settlement on tools over 2 years old, many NZ policies depreciate tools over 2 years old by 50-60%.

Liability policies – our policy can include cover for faulty workmanship & the item being worked on, many Standard policies exclude this.

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Tools, Electronic, Photographic and Musical Equipment


Portable equipment policies cover any portable equipment that you take out and about, this includes cell phones, laptops, test & survey equipment, tools, photographic and music/band equipment.

Most NZ portable equipment policies have excesses of up to $1,000 (in some cases up to $2,500). If that was not bad enough, if the item is over 2-3 years old the insurers depreciate the settlement by up to 50-60%. Meaning that it might not be worthwhile making a claim.

We have access to a policy with no depreciation and excesses as low as $100

We think that this is much fairer on you[/vc_column_text][/vc_column][/vc_row]