There’s a lot to think about when running a tradie business, so we’ve created insurance cover that will give you one less thing to think about. Tradies insurance - specifically designed for you, whether you’re a one man band, or run a small business of up to five people.

Why you need tradies insurance

With so much going on, sometimes things don’t always go right. You want insurance that’s got you covered when tools get nicked, your van gets dinged, or you drop your ‘can’t do without it’ mobile phone. There’s also potential for really big challenges, like defective workmanship that could lead to a court case.

With AMP tradies insurance, you get insurance that provides a range of cover, from tools, vehicles and stock, right through to cover for business interruption and protection from liability claims. We also offer flexibility with optional add-ons to suit your specific business needs.

Cover for a range of trades businesses

Our tradies insurance is designed to cover a variety of trades, from builders, electricians and plumbers to glaziers, tilers, and plasterers. Eligible trades include:

Get tradie insurance cover for;

Some of your assets are automatically covered and others are optional so you can tailor your insurance to suit your needs.

Business vehicles

A successful trades business relies on functional vehicles, including trailers. Our policy covers most types of trades’ vehicles.

• cover for accidental loss or damage to your vehicle anywhere in New Zealand
• hire of a vehicle following theft
• stolen or damaged trailers

Extra cover for accessories, spare parts, permanently attached business-related equipment and vehicle signage/graphic wraps, in case the sum insured is not enough after total loss.

Tools and devices

The portable nature of tools and digital devices means they can be stolen, damaged or lost. It’s good to know that you can get these replaced or repaired.

• replacement cover for loss, damage or theft of tools anywhere in NZ
• cover for employees’ tools (if they don’t have cover themselves)
• replacement cover for phones, tablets and laptops up to 3 years old

Business interruption

AMP Tradies Insurance protects you against increased costs caused by a claimable event.

• cover for increased costs of working, outstanding accounts receivable, claims preparation costs and reinstatement of records
  
• if you want comprehensive business interruption cover for lost gross profit until your business has returned to normal, discuss other cover options with your Adviser

Legal liability

Running a business exposes you to liability claims, including statutory risks. Rest easy knowing we can protect you from most of these risks. For example, our legal liability cover could assist if your employees cause unintended personal injury or property damage while at work.

Call 0508 806 244 or email ampgpersonallines@vero.co.nz to make a tradies insurance claim.

How the claims process works:

• The claims team will discuss with you the event, the impact and in most cases let you know straight away whether you’re covered under your policy. Having your policy number, and as much detail of the claim (and if possible photographs) on hand when you call usually helps to speed things up.
• The claims consultants will assess your claim and may even be able to approve the claim then and there. Otherwise they will get in contact with you to let you know the outcome, next steps or they might request some more information. 
• Once approved, we will look to put things right by either organising payment or working with suppliers to get you back to where you started.