Are you a Tradie business owner with no time for insurance B.S.?

VIZ Tradies Insurance is an Australian business that issues policies on behalf of Australian insurer Ivory Insurance. VIZ has its offices in Coffs Harbour and Perth which, despite leading to occasional time zone confusion, means we can service customers across the country!

Hit the 'Claims' link in the menu. You can either fill out our claims form or you can reach the claims team on 1300 850 491. Simple as that!

Go for it! Give us a ring on 1300 216 226.

Every policy has exclusions and you should understand them to ensure the product is right for you. Be sure to check out the following pages of the policy wording for details about the exclusions.

Legal Liability cover exclusions: Pg. 11 - 14

Tools of Trade cover exclusions: Pg. 17 - 18

Tax Audit cover exclusions: Pg. 19

General exclusions Pg. 20 - 21

Exclusions are not the only important part of the wording. You should read and consider the whole policy wording before determining if the policy is right for you.

We offer Legal Liability (Public & Products Liability), with two optional covers; Tools of Trade Insurance (sometimes referred to as General Property or Tools and Equipment Insurance), and Tax Audit Insurance.

To review full policy terms, limits and exclusions, please check the Policy Wording and ensure the product is right for you.

Legal Liability or Public & Products Liability Insurance can be essential for protecting your business against claims from third parties alleging that your covered business activities caused property damage or personal injury. This cover is often required to get on job sites.

To review full policy terms, limits and exclusions, please check the Policy Wording and ensure the product is right for you.

Tools of Trade covers the cost of repairing or replacing your tools and equipment if the event of physical loss, destruction or damage, including theft. This insurance could be helpful for tradespeople who rely on their tools for their work and cannot afford unexpected expenses.

To review full policy terms, limits and exclusions, please check the Policy Wording and ensure the product is right for you.

Tax Audit Insurance is designed to cover professional fees incurred during an audit by the Australian Taxation Office. This includes the cost of accountants and other professionals you may need to consult. It helps you manage the financial impact of being audited.

To review full policy terms, limits and exclusions, please check the Policy Wording and ensure the product is right for you.

At VIZ Tradie's Insurance, we believe that we understand the unique challenges faced by tradespeople in Australia. We have used this understanding to help shape our offering, which includes; friendly services over the phone or email with our agents who are located throughout Australia, relevant coverage options, a fast, online quote and buying experience, no additional costs to pay by the month, protecting your cashflow, and quick access to important documents like Certificate of Currency after you bind cover - we believe the combination of these elements sets us apart from other insurers.

VIZ Insurance offers an occurrence-based wording.

Understanding the difference between Claims-Made and Occurrence-Based Insurance Policies is crucial in choosing the right coverage for your business. Here’s a breakdown of each:

Occurrence-Based Policies:

• Coverage Trigger: These policies provide coverage for incidents that occur during the policy period, regardless of when the claim is actually made.
• Key Benefit: One of the main advantages is the long-term protection it offers. Even if you cancel the policy, any incident that happened while the policy was active is still covered (per the other terms and conditions of the policy).
• Ideal for: Trades where issues might only become apparent years after the job is completed.

Claims-Made Policies:

• Coverage Trigger: These policies only cover claims that are both made and reported to the insurer during the policy period.
• Key Benefit: They often come with lower initial premiums compared to occurrence-based policies. However, they require you to maintain continuous coverage for years after you finish work to ensure protection.
• Tail Coverage: If you cancel a claims-made policy, you can purchase "tail coverage" to extend the period for filing claims, but this is an additional cost.

Choosing the Right Policy:

• The choice between these two types of policies depends on your specific business needs, the nature of your work, and how you prefer your risk to be managed.

We ask questions in the policy buying journey about your business activities and some of these relate to working at heights. You have an opportunity at that stage to disclose any working at height information. For example, if the occupation selected is Aerial Installation, we will ask if you work over 3 stories or 10m. Your answers will influence if coverage is accepted and on what terms.

We have a height limitation for Demolition. We exclude - Demolition - arising directly or indirectly out of or in any way connected with the demolition and disposal of any Building or structure by You or on Your behalf where the Building or structure exceeds 3.5 metres in height.

We also have a height limitation for Tree Felling. We exclude - Tree felling arising directly or indirectly out of or in any way connected with tree felling, or lopping by You or on Your behalf where the tree exceeds 3.5 metres in height;

Note; your answers are subject to your Duty of Disclosure.

If you do not tell the us something you are required to, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both. If your failure to tell us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.

To review full policy terms, limits and exclusions, and your Duty of Disclsoure please check the Policy Wording and ensure the product is right for you.

VIZ Insurance is designed to provide a great user experience for consumers of our tradie relevant insurance products. We strive to make the process efficient, so that you can obtain your insurance with minimum hassle.

In the realm of insurance, the term 'Interested Party' refers to an individual or entity that has a financial or other interest in the insured item, entity or property, but they are not the primary policyholder. Understanding this concept is important for policy management:

Key Points about Interested Parties:

• Nature of Interest: An Interested Party may not own the policy but has a stake in the insured asset or an interest in the entity or the entity's activities. For example, a finance company with a loan on a vehicle, or a principle contractor to whom you're a sub contractor on a particular job.
• Rights and Limitations: While Interested Parties can be notified of changes or cancellations in the policy, they typically do not have the authority to make changes to the policy themselves.
• Common Scenarios: In a business context, contractors often add sub principals or clients as Interested Parties to their liability insurance policies. This assures the principal or client that the contractor has appropriate insurance and that they will be informed if the policy is modified.
• Adding an Interested Party: To add an Interested Party to your policy, either add it in the quote flow when you take out a policy or contact VIZ Insurance with the necessary details.

Importance for Your Business:

• Ensuring that relevant parties are listed as Interested Parties can be crucial for fulfilling contractual obligations and maintaining transparency with stakeholders.

If you're unsure whether you need to add an Interested Party to your policy, or if you have questions about how this impacts your coverage, please give us a call.