Carpet Layer Insurance
When it comes to renovations, carpet layers don’t get a lot of thought, and it is for this reason that many might believe that they don’t need public liability insurance. Considering the damage of a trip and fall could have on someone, carpet layers need insurance policies that cover their work, their tools, and their employment. Providing a service to carpet an office, home, or store means you must have coverage, and due to your nature as a sub-contractor, it is wise to have coverage to cover you in the event of an illness or injury. With our services, you can easily tailor your carpet layer insurance so that you are covered for all your daily duties on the job.
Why Do I Need It?
Carpet layering might be one of the final steps to a renovation on a commercial, office, or residential building, but it does carry more risk than you might think. An improperly installed carpet could open you up to liability, as you were negligent in your role. Having a specialised insurance policy will work to protect you and cover you from litigation, tool loss or damage, illness or injury, theft, and so much more.
What type of insurance you get will depend on whether you are working independently or hire a team, and having this insurance could be a prerequisite before being brought on site for a job.
Did You Know?
Slip and fall accidents are one of the most common accidents, and they don’t always just end up with a bruised bottom. Between the years of 2003 and 2013 a slip, trip, or fall resulted in 386 worker deaths and make up 23% of all serious claim cases in Australia. Though most of these cases were due to environmental factors, an uneven carpet can just as easily cause a serious injury, and is protected under special liability insurance is your key to cover legal defence costs, compensation claims, and more.
One woman in Dubbo was awarded $120,000 after she successfully sued both her landlord and the contractor over an improper job which resulted in the carpet rolling back near a doorway, causing her to trip, fall, and break her hip, proving that providing the service your client pays and requests for could still leave you liable.
What Can It Cover?
Carpet Layer insurance is best when it is customised to your individual business. Ensure your coverage includes at least:
- Public Liability Coverage
- Tool Insurance
- Illness and Injury Cover
- Theft and Loss
- Project Coverage
Being amply covered is key to protect yourself and your business in the event of a lawsuit, an injury, or damage to your tools. You will also want to be covered for the jobs you have completed up until the statute of limitations runs out.
What Isn’t Covered?
You need to be aware of the areas that you need coverage. Personal liability insurance, insurance to cover any employees you may have, insurance to cover the left, loss, or damage of your tools, and insurance that covers previous jobs will serve you well. Check your coverage regularly to ensure it will protect you and your evolving business.
So call us today on 1300 669 664 or click on the button above to get your quotes started.