Austbrokers Countrywide is proud to be the preferred insurance and risk advisor to the Grey Army.

We provides insurance protection tailored to the needs of tradies. Whether you’re a gardener, handyman, plumber or electrician, our trades insurance offers flexible cover for your business. We have developed a specific Public & Product Liability, General Property, Trailer and Personal Accident insurance policies for members that will help you save money on the overall cost of insurance and provide a tailored policy where cover is not adequate.

Public & Product Liability

Accidents can happen. A rock flicked by a lawnmower onto a car, a ladder slipping and hitting someone are just two examples.
Property damage or injury in the workplace is not only devastating but can potentially put you in a huge financial loss.

Our Public liability insurance covers you in the event claims are made against your business. Example, if you are found legally liable for personal injury or damage to a third-party property. The insurance will also cover you for any legal costs associated with defending claims against your business.
Our cover also includes Product liability insurance: If you supply goods, there will be a possibility where your product could cause damage to a third party. Example, a tiny defect on your goods may incur you with financial losses. This cover is significantly important to protect product manufacturers.

We offer sums insured of $10,000,000 or $20,000,000

Benefits in this policy includes:
• Defence Costs and Expenses
• Tenants Liability
• Personal Injury
• Property Damage
• Advertising Liability
• Legal Liability to Third Parties

Tools of Trade Cover

We offer specific cover that provides accidental damage cover on your tools of trade, including new for old and theft with forcible or violent entry. It can even cover your tools while on-site overnight as long as tools are kept in a locked vehicle, trailer or garage.

• Accidental Loss or Damage – covering the physical loss of or damage to your property up to the sum insured, Australia wide (world wide cover is available).
• New for Old cover and full replacement cost.
• No restrictions on theft, cover on-site overnight available.
• $2,000 per item limit for unspecified tools of trade. (Items above $2,000 need to be listed individually
• General property incudes stock in trade and portable electronic items.
• Variable excess options available.
• Limited cover option available.

Commercial Motor & Trailer

We can insure your vehicle, truck, trailer, and a full range of registered / conditionally registered vehicles including earthmoving equipment.

We will tailor the coverage to suit your personal or business needs and include various options to ensure the policy will respond due to damage caused by accident or collision, including cover to any third party property if you are at fault, theft, and public liability.

Trailer Insurance covers your trailer comprehensively for agreed value against collision, theft, fire, vandalism and more.

Personal Accident Cover

Personal accident is a form of insurance for tradies which can pay you a weekly benefit for a period of time whilst you cannot work.

To be eligible to claim on the policy, you must have suffered an injury (or illness if the option is selected) that has left you unable to work.

Whilst the insurance is more popular with tradies who work as subcontractors or for their own business, it still has benefits for those who work on wages or salary. We can help you understand the different options that make up a personal accident policy, as they will have a major impact on your claim.

• Cover is accident only
• Weekly benefit is up to $800
• Benefit period – 104 Weeks
• 24 Hours a day – 7 days a week
• Business operation – Australia only

For an obligation free insurance review, please contact either:
Erin Ralph or Renee Wright
Phone: 03 9835 1300
Email: reneeg@abcountrywide.com.au