There are plenty of things to consider when selecting a tradesman for your renovation job.

Part of the process includes looking at examples of their work, speaking with their previous clients and ensuring that they are the right match for you and your project.

Once you’re comfortable that they are right for the job and have the correct qualifications and licenses in place, the last step is to check their insurance.

Ensuring that your tradesman is properly insured can save you a lot of time and money if anything goes wrong down the track.

Why is their insurance important to you?

Whether or not your tradesman has insured their ute or tools is of no concern to you as their client, but what can impact upon you is their public liability.

If the actions of a tradesman working on your home result in property damage or personal injury to you, your family or a visitor to your home, the tradesman may be liable for any resulting loss.

If your tradesman is not insured, you may have to fight them in court in order to obtain compensation, and even then you could end up with nothing if the tradesman declares bankruptcy.

But if you use a tradesman with the appropriate public liability insurance in place, a claim you make against them for property damage or personal injury will be covered by their insurance company.

Whilst a broken window might not be too serious, if a tradesman’s actions resulted in substantial property damage or a serious injury to you or one of your family members, you will certainly be in a better position if the tradesman has the right insurance in place.

What you need to check

For most jobs the main form of insurance you’ll want to check is public liability.

To do this you will need to ask your tradesman for a copy of their insurance certificate of currency.

Most tradesmen will be used to providing this certificate when they do work for others, so don’t be afraid to ask them for a copy.

There are three main points you should check on the certificate:

  • Does the name on the certificate match the name of the tradesman?
  • Are the business activities listed on the certificate consistent with the work to be done?
  • Is the policy still current? This can be checked via the expiry date.

If your tradesman is unwilling to provide a copy of their certificate, you may want to think twice about whether or not you want this person working around your home and family.

By taking the time to check these couple of points you could save yourself a lot of heartache down the track if something goes wrong during the renovation works.

For more information about insurance for tradesmen please contact Trade Risk.