Insurance

[spooled]

G'day guys

Since the beginning of the year I’ve been working for myself as a fabricator/welder and I’ve been operating without any insurance cover at all. I need to get covered because of 1) its been very silly of me to go for this long without it, and 2) I have some prospective customers that will require me to at least have public liability and workers comp.

I don’t have the time to organise things myself so it will be the wife that needs to chase it all up for me. To make it as easy as possible for her I told her to contact NRMA assuming that they would be able to arrange everything through one person but it wasn’t the case. They do this but don’t do that, then you need to call a different department for this etc…. I was surprised that such a big company didn’t have a simpler system. Anyway then I told her to call some of the brokers in the area once again thinking that she’d be able to do everything while only dealing with one person. Wrong again.

Anyway I wont rant too much. I just need some advice of what you guys who are self employed do. I was after cover on, public liability, workers comp, business (theft of tools, me stuffing up other peoples property etc). I’d also like to get home and contents if they can give a good deal on the whole lot.

Any info on your dealings with insurance would be appreciated.

[Calm]

Being employed as a casual i have been looking at Income protection and it ranges from $3000 per year to $1300 through my Superannuation. This was for a 30 day waiting period and 2 year benefits.

I would have thought a broker could do the lot so I am very interested to see others thoughts so wish you luck.

Cheers

[Shutterbug]

When I shopped around, the best business quote I got was from GIO. This didn't include workers comp. They will do a bundled deal on home and contents with vehicle and green slip but not business.

Mike

[bsrlee]

You could try AAIB - they are insurance brokers based in Chatswood, can arrange variations to standard policies etc. etc. You should also only have to deal with one person & get everything done in one lot.

A friend of mine works for them - his work e-mail is:
[email protected]
mention that Bruce Lee gave you his email - so he can yell at me