Arranging cover that's designed for trades peoples including floor installers, contractors, retailers, suppliers and manufacturers
As a valued member of the Floor Covering Institute of Australia Ltd. (FCIA), you are a part of a group dedicated to making the industry the best that it can be. FCIA are dedicated to providing independent installers, contractors and retailers just like you with specialist advice and services that supports you to grow your skills or your business. That’s why FCIA have selected Marsh Advantage Insurance as their preferred insurance broker, enabling you to access insurance programs suited for the requirements of this industry.
Key cover for FCIA members
- General Liability Cover: Whether you’re an independent installer, contractor or flooring retailer, it is strongly recommended that you have General Liability insurance. Marsh Advantage Insurance can arrange General Liability cover that provides cover in the event of third party personal injury or property.
- Tool Insurance: If your tools are suddenly lost, damaged or stolen there could be a significant financial impact resulting from needing to purchase new tools or cover the cost of repairs.
- Commercial Motor Vehicle: Your motor vehicle may be one of the most valuable tools for your job, enabling you to get from site to site. So imagine the financial implications should your vehicle suddenly be damaged and require urgent repairs! Marsh Advantage Insurance arranges Commercial Motor Vehicle insurance for tradies including FCIA members, which can include cover for Vans, Utes and Station Wagons. The policy can include hire car inclusions regardless who is at is at fault, windscreen damage, excess waivers and choice of preferred repairer, all designed to make your life easier.
Additional covers to consider:
- Personal Accident Insurance: Did you know that Trade workers, Machinery operators and drivers, and labourers were all identified as occupation groups with the highest rates of workplace injury, according to the Australian Bureau of Statistics1. This is not surprise, with the physical requirements of these jobs often placing stress on the body. What may not have been considered is the impact that this may have on a person’s livelihood should they suddenly become seriously injured during their career. This can undoubtedly cause significant stress for tradies and their families. Marsh Advantage Insurance can arrange 24/7 Personal Accident Cover on behalf of FCIA members, offering financial cover if they injure themselves. This cover not only applies to work-related injuries but also extends to personal injury or illness that inhibits an insureds ability to work and therefore earn an income. The Policy can provide up to 90% of your income up to two years, subject to a declared weekly limit, seeking to minimise financial hardship and reducing stress to allow injured people to focus on recovery.
We advise that none of the personal accident and sickness policies arranged by Marsh include Workers Compensation insurance. By law employers must have Workers Compensation insurance for their employees.
This is a summary of cover only. For full details of the terms, conditions and exclusions of the covers available, please refer to the Product Disclosure Statements (PDS) and policy wordings which can be requested here. You can also check out our packages below.
Bronze and Silver package prices above are indicative only and subject to acceptance criteria and underwriting guidelines, including nil claims history. This example is based on an insured with a $100,000 turnover in Victoria; prices may vary for other States and Territories.
Gold, Gold Plus, Platinum and Platinum Plus package prices are indicative only and subject to acceptance criteria and underwriting guidelines, including nil claims history and nil pre-existing injury/illness conditions . This example is based on an insured with a $100,000 turnover and aged under 65 years in Victoria; prices may vary for other States and Territories.
With over 10 years-experience working with the trades industry, the floor industry can be confident that the risk and insurance needs of trade professionals have been considered when designing our solution, to seek to enhance the quality and reputation of your services and your industry.
Call our dedicated Trades Insurance team now on 1300 300 511 or email us at FCIA@marshadvantage.com
Source: 1 Work-Related Injuries, Australia, Jul 2017 to Jun 2018 – Australian Bureau of Statistics
Notices: Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369)(Marsh) arrange insurance and are not an insurer. The business package is insured by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) and the Personal Accident cover is insured by Arch Underwriting at Lloyd’s (Australia) Pty Ltd (ABN 27 139 250 605, AFSL 426746).. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings or PDS available from Marsh. The Floor Covering Institute of Australia Ltd. (ABN 80 616 904 67) receives a financial benefit when an insurance policy is arranged by Marsh.