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.
Rows
Yes, I have this
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Public/general liability
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Statutory liability
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LBP professional indemnity
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Vehicles
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Tools, equipment & mobile assets
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Contract works insurance (annual or per project)
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Full professional indemnity
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Income protection and ACC dial-down
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WHAT ABOUT OTHER LIABILITY YOU MAY HAVE?
Rows
Yes, I have this
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Cyber liability (do you use email and the internet?)
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Employers liability (do you employ staff?)
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Employee disputes liability (do you employ staff?)
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Directors & officers liability (do you run a company?)
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Crime/Fidelity (is there a risk of someone stealing from you?)
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Legal prosecution defense costs (could you ever face criminal prosecution?)
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ARE YOU EXPOSED TO FINANCIAL RISK?
Rows
Yes, I have this
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Retention or performance bonds (eg. main contractor going bust)
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Key person (how do you cope if an important employee can't work?)
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Business interruption (eg. unable to trade due to an unforeseen event)
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DO YOU HAVE OTHER BUSINESS ASSETS TO PROTECT?
Rows
Yes, I have this
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Material damage (eg. your own buildings, showhomes, spec builds)
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Cargo (eg. covering goods while in transit)
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ARE YOU LOOKING AFTER YOURSELF AND YOUR FAMILY?
Rows
Yes, I have this
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Life & disability/trauma
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Health/medical expenses
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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 Name
Last Name
Business/Insured Name
*
Phone Number
Email
*
example@example.com
Submit
Should be Empty: