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Why Trailers Need To Be Well Maintained and Insured

Why Trailers Need To Be Well Maintained and Insured

by Ben Rickard | Aug 20, 2025 | Insurance

The consequences of inadequately maintained or wrongly connected trailers can be fatal.

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Beware the fish hooks in your Natural Hazards Insurance (formerly EQC)

Beware the fish hooks in your Natural Hazards Insurance (formerly EQC)

by Ben Rickard | Jul 30, 2025 | Insurance

Anyone with domestic house insurance pays for Natural Hazards Insurance, which is a compulsory levy collected by insurers for the Natural Hazards Commission. However, the NHC has the discretionary power to decline cover where a Natural Hazard Section Notice is recorded on a property title.

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New house in suburban area

The effect of the “Your Products” exclusion in public/general liability insurance

by Ben Rickard | Jul 17, 2025 | Insurance

The “Your Products” exclusion in public/general/broadform liability insurance can be extremely frustrating for builders and other trades. This article discusses how is it applied and also how contract works insurance and defective work cover fit in.

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Insurance tips for older builders and contractors looking to retire.

Insurance considerations if you’re a builder or contractor thinking of retiring

by Ben Rickard | Jul 1, 2025 | Insurance

This article outlines the key insurance considerations for builders and other construction contractors who are looking to retire.

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Two males, dressed in suit and tradies outfit, wearing hard hats, project manager, or developer.

You are probably not a project manager (according to your insurer) but you might be a developer!

by Ben Rickard | May 14, 2025 | Insurance

We recently helped a new customer change insurer (and broker) after it was discovered that they had been insured, incorrectly, as a project manager rather than a building contractor. It turns out if that customer had needed to make a claim (which fortunately they...

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Collapsed scaffolding

Is it my problem if my customer fails to arrange contract works insurance? (Hint: yes it could be)

by Ben Rickard | Apr 13, 2025 | Insurance

We've had a number of queries recently from builders (and it’s a regular question) asking what happens if their customer doesn’t arrange contract works insurance on a renovation or alteration. As most of you should know by now, when a project involves working on an...

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Cracks in concrete driveway

The importance of notifying your insurer as soon as you become aware of a potential issue

by Ben Rickard | Mar 27, 2025 | Insurance

Recently, a customer of ours was ordered by the Employment Relations Authority (ERA) to pay compensation to a former employee. They only informed us of the situation after the judgment was issued. We lodged a claim with their insurer. Failing to notify your insurer as...

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Defective workmanship in construction

Avoiding Defective Workmanship Issues (and how the insurance for this works)

by Ben Rickard | Mar 10, 2025 | Insurance, Risk Management

This 5 minute read headlines the top 5 ways to reduce the risk of defects and explains how the three types of defective workmanship insurance work.

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NZI Roadside Rescue

NZI Roadside Rescue

by Ben Rickard | Feb 1, 2025 | Insurance

Customers with NZI’s commercial vehicle insurance now benefit from free Roadside Assistance.

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Bushfire in a suburban area

Does insurance cover landscaping if it’s damaged by fire?

by Ben Rickard | Jan 20, 2025 | Insurance

Is landscaping covered by insurance? If a landscaper starts a fire will their insurance cover their liability for the resulting damage? These are the questions we answer in this article.

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Overloaded trailer at the back of a van

Could An Overloaded Vehicle Result in a Declined Insurance Claim?

by Ben Rickard | Dec 12, 2024 | Insurance

If your trailer is loaded in excess of the manufacturer’s specification this may void your insurance in the event of an accident.

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Cracked Concrete

Does your public liability insurance include a “rip & tear” exclusion?

by Ben Rickard | Nov 17, 2024 | Insurance

Concrete contractors will often have a rip & tear exclusion added to their public liability insurance. This article covers what this means.

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