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  1. #1
    Join Date
    Dec 2004
    Location
    Northen Rivers NSW
    Age
    58
    Posts
    758

    Default Part Time Business Insurance

    Hi all

    Does anyone have 'part time' business /public liability insurance.

    Now that I am back with the govt I still want to play with my machines maybe one or two days a fortnight and want to be covered. Cant find anything on the net and get confused when speaking with insurance brokers.

    Any tips?


  2. #2
    Join Date
    Apr 2003
    Location
    Tolmie - Victoria
    Age
    68
    Posts
    1,058

    Default

    The Victorian Woodworkers Association has product and public liability insurance for it's members for $165 per year.

    Their ad is in most of the popular woodwork magazines. If you can't find the details send me a PM.
    - Wood Borer

  3. #3
    Join Date
    May 2009
    Location
    meadowbank, nsw
    Posts
    2

    Default hi to all australian



    hi this is leo kim
    i would love to use PLInsurance of victorian woodworkers association
    and it cost only $165. that's great i think.
    thank you

  4. #4
    Join Date
    May 2009
    Location
    meadowbank, nsw
    Posts
    2

    Smile hi could u tell me how i can contact P L Insurance details

    hi wood borer
    wish you could tell me how i can contact public liability insurance. any telephone number to contact them or web site?
    most appreciated

    leo kim


    Quote Originally Posted by Wood Borer View Post
    The Victorian Woodworkers Association has product and public liability insurance for it's members for $165 per year.

    Their ad is in most of the popular woodwork magazines. If you can't find the details send me a PM.
    Last edited by soho5656; 27th May 2009 at 09:24 PM. Reason: missing name

  5. #5
    Join Date
    Nov 2007
    Location
    belgrave
    Age
    61
    Posts
    0

    Default

    Quote Originally Posted by Wood Borer View Post
    The Victorian Woodworkers Association has product and public liability insurance for it's members for $165 per year.

    Their ad is in most of the popular woodwork magazines. If you can't find the details send me a PM.
    A lot of clubs and art bodies seem to have similar things for their members. Regonal Arts Victoria I think has something too. You can nominate what you actually want the insurance for. Open studio, workshops, couple of weekends a year and all that.
    http://www.rav.net.au/funding-and-re...rtists/art-pli
    anne-maria.
    T
    ea Lady

    (White with none)
    Follow my little workshop/gallery on facebook. things of clay and wood.

  6. #6
    Join Date
    Sep 2008
    Location
    Jimboomba Qld.
    Age
    69
    Posts
    0

    Default

    Quote Originally Posted by soho5656 View Post
    hi wood borer
    wish you could tell me how i can contact public liability insurance. any telephone number to contact them or web site?
    most appreciated

    leo kim
    ph. 03 5776 2178 www.vwa.org.au email: [email protected]

    Contact Meg Allan


    Cheers

    Steve
    Discover your Passion and Patience follows.
    www.fineboxes.com.au

  7. #7
    Join Date
    Dec 2008
    Location
    Tasmania
    Posts
    0

    Default Part Time Business Insurance

    Hi Dazzler,

    I think you need to define clearly what risks you want to cover. I went through this about 9 months ago when my domestic insurer refused to continue to provide cover for my semi commercial risk exposure in a workshop, contents and raw material and Public Liability and product Liability. These risks apart from separate Public Liability had been detailed endorsed and valued on the household policy.

    If you've got an ABN then by definition you are operating commercial if you make one sale. That was the ruling I was given.

    The cover provided by most domestic insurance for tools, equipment and machinery, stock, raw material and WIP is almost negligible unless the policy is endorsed for those risks and I couldn't get anyone to cover on that basis after the first knock back from my existing insurer.

    I've now got commercial cover but I've limited it severely to make it affordable. Essentially I've covered the workshop strucxture against fire, the static and portable equipment against fire, limited cover for raw material and stock against fire, plus public liability and product liability. Theft I've managed myself by making the place very much more difficult to enter. Theft insurance is unaffordable.

    When you go this commercial insurance route the premises have to be up to a standard and semi risky activities such as spraying and flammable goods storage have to conform to commercial standards. There are also higher electrical safety and electrical isolation compliance requirements.

    I got my policy through City Rural Insurance Brokers [email protected]. Try them for details for your specific risks you need to cover.

    This exercise for me indicated that there a lot of folks out there who have big bucks value in hobby or semi commercial workshops at domestic premises or under the house workshops that they mistakenly think are covered by domestic insurance and this is generally not the case. Indeed some risky activity could invalidate or limit domestic risk cover under domestic insurance policies.

    It's all pretty hard and bloody expensive to fix this up and some folk just opt to carry the risk or bury head in sand. I live just up the road from you. If you send me a private E mail I'll give you more detail so you don't have to do all the homework again

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