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Insurance 101 For Painters
One overspray incident or spilled tin of primer can cost a painting business tens of thousands of dollars. This guide covers the cover every painter needs, from public liability with the right workmanship extensions to statutory liability, vehicles, tools and income protection. It also explains what to check before choosing a broker so your claim gets paid when it matters.
Mandatory Home Warranties: Where the Building Amendment Bill Is At
Mandatory home warranties are coming for residential work over $100,000. Here’s what’s proposed, when it could bite, and who currently offers cover.
Examples of Builders’ Liability for Errors by Engineers, Architects and Surveyors
The Government has introduced legislation that would see construction move from joint and several liability to proportionate liability. This changes how compensation is allocated to liable parties, it does not remove a builder's own legal responsibilities. A builder...
Spot-Fixed Tiles: The Bathroom Timebomb That Builders End Up Paying For
One of the most expensive defects a residential builder will face is a leaking bathroom. Ironically, many of these failures begin with a bathroom that looked perfect on handover. Hidden behind the tiles, however, is a shortcut that can turn into a six-figure liability: spot fixing (also known as dot or dab fixing).
If It Moves Under Its Own Power, Your Tools Policy Probably Won’t Cover It
The “mechanically propelled vehicles” exclusion in tools and mobile assets policies is wider than most tradies think. Here’s what it catches and where that gear should be insured.
Court rules dented roof was not excluded as “faulty workmanship”
A recent High Court decision, IAG New Zealand Ltd v Aubrey, is a good result for anyone relying on a contract works policy. The Court found that a common exclusion for the cost of “fixing faulty workmanship” was narrower than the insurer argued. As a result, damage caused by a contractor during the works was covered.