insurance?

[weisyboy]

im need insurance but i dont know what type/s.

i have never worried as im a good bloke and i asume everyone else is. but with the growing trend of people sueing over nothing. i want to cover my ass.

i wantto be a ble to employ people and becoverd if tehy get hurt.
i wantto be able to work on someones property and if they fall in a post hole and gets hurt im coverd. or if someone gets hurt by a bit of flying wood or rock. also for doing shows and demos where tehre is a posability of someonegetting hurt. and if soemone comes on my property to pick sompthing up and sompthign happens.

i do a range of work including. fencing, retaining walls, mowing, sheds, sawmilling.

what should i be looking for and what would i expect to pay.

[funkychicken]

Well if you want to cover your backside then I suggest wearing pants

[Sturdee]

what should i be looking for and what would i expect to pay.

Workcover insurance for any people you employ and public liability insurance for things do you as well as the ordinary theft, etc insurance for your equipment.

Go and see a good insurance broker or your accountant, they should be able to help you.


Peter.

[Johncs]

im need insurance but i dont know what type/s.

i have never worried as im a good bloke and i asume everyone else is. but with the growing trend of people sueing over nothing. i want to cover my ass.

i wantto be a ble to employ people and becoverd if tehy get hurt.
i wantto be able to work on someones property and if they fall in a post hole and gets hurt im coverd. or if someone gets hurt by a bit of flying wood or rock. also for doing shows and demos where tehre is a posability of someonegetting hurt. and if soemone comes on my property to pick sompthing up and sompthign happens.

i do a range of work including. fencing, retaining walls, mowing, sheds, sawmilling.

what should i be looking for and what would i expect to pay.

I expect your state government has a small business bureau or some such where you can get the advice you need. There may also be some training workshops available.

Also check with your TAFE and look for courses relevant to running small businesses. There's more to running a business than knowing how to make Fine Furniture.

Talking to lawyers and accountants is useful, but expensive for basic information.

[weisyboy]

i gotta go see the accountant shortly anyhow ill ask him.

i know i dont need insurance if teh people that i employ are contractors. what makes them contractors adn not employees or labourers.

[petersemple]

There is a phone number associated with some government department where you can call up and ask all those kinds of questions (what insurance you need, sn how to tell if someone is a contractor or employee (my understanding is that a contractor has an ABN, and takes care of their own tax and super - for an employee, you need to take out tax and pay super for them - a contractor would expect to be a higher hourly rate because of this)

Hang on a bit - I found what I think is the phone number - 1300 363 711 - it's the business hotline for the business development department. Give them a call. I have known a few people who have used them and found them quite helpful.

Peter

[Johncs]

i gotta go see the accountant shortly anyhow ill ask him.

i know i dont need insurance if teh people that i employ are contractors. what makes them contractors adn not employees or labourers.

For that answer, you need a lawyer. It depends on how closely their work is directed, who supplies the equipment, maybe period of "employment." Probably not much at all on the actual document you both sign.