Policy Checklist

Insurance Checklist For Builders And Trade Professionals

Use this checklist to make sure you have the cover you need.
DO YOU HAVE THE BASICS?

These policies are taken out by and strongly recommended for most builders and trade professionals.

	Yes, I have this	Tell me more
Public/general liability More
Statutory liability More
LBP professional indemnity More
Vehicles More
Tools, equipment & mobile assets More
Contract works insurance (annual or per project) More
Full professional indemnity More
Income protection and ACC dial-down More

WHAT ABOUT OTHER LIABILITY YOU MAY HAVE?

	Yes, I have this	Tell me more
Cyber liability (do you use email and the internet?) More
Employers liability (do you employ staff?) More
Employee disputes liability (do you employ staff?) More
Directors & officers liability (do you run a company?) More
Crime/Fidelity (is there a risk of someone stealing from you?) More
Legal prosecution defense costs (could you ever face criminal prosecution?) More

ARE YOU EXPOSED TO FINANCIAL RISK?

	Yes, I have this	Tell me more
Retention or performance bonds (eg. main contractor going bust) More
Key person (how do you cope if an important employee can't work?) More
Business interruption (eg. unable to trade due to an unforeseen event) More

DO YOU HAVE OTHER BUSINESS ASSETS TO PROTECT?

	Yes, I have this	Tell me more
Material damage (eg. your own buildings, showhomes, spec builds) More
Cargo (eg. covering goods while in transit) More

ARE YOU LOOKING AFTER YOURSELF AND YOUR FAMILY?

	Yes, I have this	Tell me more
Life & disability/trauma More
Health/medical expenses More
Kiwisaver/retirement savings
House & contents (including the bach)
Private vehicles
Caravans, RVs, boats, jetskis and other toys
Travel

IS THERE ANYTHING ELSE YOU'D LIKE TO KNOW ABOUT?
Your Name*

First NameLast Name
Business/Insured Name*
Phone Number
Email*
example@example.com
Should be Empty: