Trades Insurance

When your work changes from project to project, your insurance must keep up.

No call centres. No ghosting. Just direct access to someone who understands your business.

Trade businesses often operate across multiple job sites, contracts and service types. Rare works with trade businesses to interpret policy complexity and structure cover so insurance reflects the work actually being performed.

The challenges trade businesses regularly face

Trade businesses often operate in changing environments where responsibilities can vary from project to project

Multi-discipline trades

Some businesses operate across multiple trades, which can influence insurance requirements.

Entering agreements with larger organisations

Contracts with larger organisations may require specific insurance conditions or principal endorsements.

Tools covered for replacement value and tools in vehicles

Tools stored in vehicles or transported between sites require appropriate coverage.

Working at customer premises

Operating on customer sites introduces responsibility that needs to be reflected in the policy.

How Rare supports trade businesses

Rare works with trade businesses to understand the services they provide and the environments in which that work occurs.

This includes reviewing contract requirements, equipment exposure and how tools and equipment are stored or transported.

The goal is ensuring insurance reflects the work actually performed.

The Rare approach

Insurance advisory should not feel complicated. Ours follows a clear structure.

Understand the work performed

Rare begins by understanding the services the business provides.

Structure the cover properly

Insurance is structured so policies reflect the work performed and contractual responsibilities.

Remain available as the business evolves

As services expand or new work is undertaken, Rare remains available to ensure the insurance evolves with the business.

Speak with Rare

If you operate a trade business and want clarity around how your insurance is structured, Rare can help ensure your cover reflects the work you perform.