What's covered

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#8226;
Tools & equipmentCover for tools of trade on-site, in transit and in storage, including theft and accidental damage.
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#8226;
Public liabilityProtection if your work causes injury to someone else or damage to their property, often required to work on-site or with builders.
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#8226;
Income protectionCover for your income if you're unable to work due to injury or illness.
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#8226;
Vehicle & fleet coverCover for work utes and vehicles, including tools carried inside them.
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#8226;
Contract worksCover for work in progress against theft, fire, storm and vandalism before completion.
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#8226;
Personal accident coverCover for injury on-site, including for owner-operators without WorkCover access.

Common questions

Most builders and head contractors require a current certificate of currency for public liability before allowing subcontractors on-site.

This depends on the policy's theft conditions. Tools cover is matched to how and where tools are actually stored and transported.

Often yes. Bundling reduces administration and can be more cost-effective than separate policies, though this depends on individual circumstances.