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Hassle free insurance cover for service providers - Tooezy
All it takes is roughly 5 minutes!
Whether you’re a plumber, cleaner, gardener, electrician or other service provider,
we’re here to help.
Tooezy Service Provider Insurance
Howden and TooEzy have teamed up to provide TooEzy’s service providers with access to insurance cover, which Howden has negotiated specifically for your industry, including:
• Public & Products Liability
• Tools of Trade
• Commercial Motor
• Business & Legal Expenses
We have done all the hard work – negotiated the cover and price so you don’t have to, with the following offer:
• Fast, simple online quote, purchase and renewal process
• Receive your cover and certificate of currency in minutes*
• An option to pay by the month**
Service provider insurance coverage:
Public & Products Liability
- From $438.65¹
- Public Liability which protects your business if you are sued for accidental damage or injury caused to a third-party individual or their property as a result of your work
- Products Liability insurance which is designed to protect your business if you’re sued because a product you sell, assemble or supply has caused harm to a person or their property
- Care, Custody & Control for up to $500,000 for property in your physical and legal control
- Advertising Liability covering losses arising from your advertising
Tools of Trade
- From $237²
- Tools of Trade provides cover for theft, damage or loss of tools while out on the road or at your worksite
- Cover up to $2,000 per unspecified item
- Specified item cover is available
- Select a total sum insured of up to $100,000
Commercial Motor
- Car hire in the event of an accident or theft
- Premium roadside assistance is included
- Windscreen coverage
- Multiple excess levels
- An option to pay by the month**
- Digitised driver coaching to promote safer driving habits.
Business Legal Expenses
- From $329.99³
- Cover for legal expenses up to $25,000 per claim
- Up to $100,000 aggregate limit during the period of insurance
- Access to legal document centre and legal information helpline
- Cover for a tax audit or investigation and contractual disputes
- Criminal prosecution defence (including WHS investigations) and much more
Insurance has never been so easy.
Call us on 1300 904 503.
Why do I need Public & Products Liability Insurance?
Public & Product Liability is an essential insurance product for Australian small businesses. Sometimes referred to as Broadform Liability Insurance or General Liability, it provides coverage for personal injury or property damage helps protect your legal liability to third-parties, including clients, customers and the public for injury or damage to their property, caused by your business.
While Public & Product liability insurance isn’t mandatory for most businesses, it is recommended. That’s because the unpredictable nature of accidents sometimes makes them hard to prevent and the costs of being sued can be extraordinarily high.
Public & Products Liability
What's covered
Third-party injury
Claims arising if someone injures themselves while on your premises or your business has caused them to injure themselves
Third-party property damage
Claims arising from the damage to someone else's property caused by your business
Product liability
Claims arising if a product you sell, assemble or supply has caused harm to a person or to their property
Defence Costs
Dedicated additional limit of liability just for defence costs
Care, Custody & Control
Claims arising from damage to someone else's property in your care custody or control
This is a limited summary of the policy. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the Policy Wording and documents.
Click here to view the Public & Products Liability Policy Wording
Click here to view the Public & Products Liability Policy Endorsements
What's not covered
Damage to property owned by you
Damage to property such as your car, business premises or tools owned by you
Professional Advice
Claims arising from providing, or failing to provide professional advice or services
Cyber Liability
Claims arising from a cyber incident
Employment Liability
Liability for injury to an employee arising out of the course of their employment or any other liability imposed by any workers compensation law
Asbestos & Toxic Dust
Claims arising from or connected with asbestos, asbestos dusts, asbestos products, asbestos fibres, silica, silica dust, silica products or silica fibres
If you do require cover for the above, please contact us to discuss.
Click here to view the Public & Products Liability Policy Wording
Click here to view the Public & Products Liability Policy Endorsements
Tools of Trade - quick, easy & convenient cover
Your tools are one of your biggest assets, and you have made a considerable investment in building your kit. So, it makes perfect sense to make sure you have a Tools of Trade insurance policy to protect yourself financially in case they are stolen or damaged.
Tools of Trade insurance will cover the tools and equipment you use every day and will provide financial assistance to repair or replace these items in the event of theft and accidental damage.
This is a summary only, for full information regarding what may or may not be covered, please carefully read the Tools of Trade Insurance Policy Documents.
Tools of Trade
What's covered
Accidental Damage
Claims arising from any unforseen accidental physical damage to your insured property
Fire, theft and other events
Claims arising for loss or damage caused by fire, malicious damage, theft following focible and violent entry, collision or overturning of the conveying vehicle
This is a limited summary of the policy. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the Policy Wording and documents.
What's not covered
Theft from unlocked vehicle or trailer
Claims arising from the theft of insured property from a vehicle or trailer if the insured property was not secured and locked whilst in transit or whilst you are working on site and the vehicle is unattended, or away from site and the vehicle is unattended
Theft from open air
Claims arising from the theft of property left in the open air
Business Legal Expenses
ARAG Legal Expense Insurance provides affordable and comprehensive cover for service providers regardless of your size or industry.
It’s like having a lawyer in your back pocket.
Business Legal Expenses
What's covered
A dispute between you and an employee, or your ex-employee, or prospective employee, arising from a breach or an alleged breach of:
- your Written Contract of Employment; or
- related legal rights.
Provided that you have complied with the mandatory procedures specified in the Fair Work Act 2009 (Cth) relating to the Small Business Fair Dismissal Code where that code applies.
Unlawful discrimination
Where civil proceedings are brought against an employee for unlawful discrimination and you agree to engage lawyers to assist the employee to defend the proceedings.
Criminal defence
- a criminal prosecution against you or an employee arising from an alleged act or omission by you or an employee that arises in connection with your business.
- WH&S Investigation: an Investigation by an Authority into a breach of Work Health and Safety Laws by you where employees are required to be interviewed or documents are required to be produced to the Authority.
- WH&S action: to the extent permitted by law, a prosecution for breach of Work Health and Safety Laws by you, or proceedings challenging improvement notices or prohibition notices served on you under Work Health and Safety Laws.
- WH&S enforceable undertaking: the negotiation of an enforceable undertaking by you with an Authority in respect of alleged breaches of Work Health and Safety Laws as an alternative to prosecution through the courts.
This is a limited summary of the policy. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the Policy Wording and documents.
Click here to view the Business Legal Expense Cover Policy Wording
What's not covered
Any claim arising from or relating to:
- redundancy or alleged redundancy, unfair dismissal claims, or general protection claims where the circumstances giving rise to the claim occurred before this policy commenced or during the first 180 days of this policy, unless You had equivalent cover with us in force immediately before this policy commenced;
- legal costs & expenses for representing you at an internal disciplinary hearing, grievance or appeal;
- a contract for service; or
- any disputes or actions involving trade unions
Any claim arising from or relating to:
- deliberate discrimination which amounts to unlawful discrimination; or
- defending you
Any claim arising from or relating to:
- immigration;
- allegations of murder or manslaughter;
- gross negligence;
- recklessness; or
- taxes.
Click here to view the Business Legal Expense Cover Policy Wording
Commercial Motor insurance
We have partnered with Mercurien to provide access to light commercial vehicle insurance with comprehensive cover at competitive premiums. Whether you have 1 vehicle or 10, you will find managing them so much easier.
Mercurien’s insurance comes with embedded services to improve the safety and profitability of your business, drivers download an app which promotes safer driving habits and allows for 24/7 roadside assistance. Essentials such, car hire in the event of an accident or theft, windscreen coverage and multiple excess levels are all on offer.
Commercial Motor Vehicle
What's covered
Car hire in the event of an accident or theft
Premium roadside assistance is included
This is a limited summary of the policy. Terms, conditions, limits and exclusions apply. For full details and before making a decision, consider the Policy Wording and documents.
What's not covered
Vehicles that are not used primarily for commercial use
Vehicles that are used as taxis, at any Airfield or Airside, carrying refrigerated goods or livestock, transporting dangerous goods and/or motor sports.
This product requires use of telematrics in all vehicles under the policy
Which service providers do we typically cover?
| Air conditioning installers | Fencers | Plasterers |
| Antenna installers | Flat packing* | Plumbers |
| Blind & awning installers | Floorers | Refrigeration specialists |
| Bricklayers | Fly screen installers | Removalists* |
| Carpenters | Gardeners | Rubbish removals* |
| Cabinet makers | Glaziers | Shopfitters |
| Cable installers | Gutter installers | Signwriters |
| Carpet/fabric cleaners | Handyman | Skylight installers |
| Carpet layers | Kitchen installers | Stonemasons |
| Carport & garage construction | Landscapers | Tilers & pavers |
| Cleaners | Lawn mowing | Tree lopping* |
| Computer/IT repairers | Locksmiths | Waterproofing* |
| Dog walkers | Painters & decorators | Window cleaners |
| Electricians | Pest control* |
*Please contact the Team for a quote
If you can't see your trade, contact us on 1300 904 503.
Frequently asked questions
We accept various major credit cards, including: VISA, Mastercard and AMEX.
Yes you can.
If you would like to apply for premium funding (pay by the month), please continue to get a quote and apply online, then at the end under ‘Payment Information’ click on ‘If you wish to pay by the month or cannot pay by credit card, please click here and we will be in contact shortly’.
We will then email you the Premium Funding quote and application form.
It is important to keep in mind that if you decide to pay your premium in monthly instalment, this will attract additional costs.
Yes, if you decide to purchase a policy, you should then receive two emails which include:
(a) a record of any answers you gave to any questions;
(b) your certificate of currency;
(c) your policy schedule including any relevant policy endorsements); and
(d) your tax invoice confirming the purchase of your selected policy(s).
If you do not receive copies of the documents referred to above, please contact us immediately.
The nature of trade work often requires tradies to work in hazardous environments.
A self-employed tradie or sub-contractor is responsible for their business activities while on a job site. They could cause property damage or personal injury while on the job, and this could result in being liable for financial damages.
Public & Products Liability insurance is important for all tradies who are self-employed or who are working as sub-contractors. For some tradies it is mandatory, for others it is simply a smart way of protecting their businesses.
This depends on the size, nature and the risks involved with running your business. You will have the option of purchasing limits of $10 million or $20 million cover.
Yes. We extend the Public & Products Liability policy to include an endorsement that covers defect liability and trade practices liability for electricians operating in Queensland in order to comply with the insurance requirements contained in the Electrical Safety Regulation 2002.
Yes. We extend the Public & Products Liability policy to include an endorsement that covers defect liability and trade practices liability for plumbers operating in Victoria in order to comply with the insurance requirements contained in the Licensed Plumbers General Insurance Order 2002.
If one of your employees is injured at work, this policy will not cover them for the injury that they may sustain.
If you are after a Workers’ Compensation policy which provides cover for your employees for injuries that are sustained at work, contact us on 1300 904 503.
This Public & Products Liability policy provides cover for the named insured noted on the policy. It does not extend to provide cover for sub-contractors that you engage.
Sub-contractors that you engage should have their own public liability in place.
We can provide coverage for them. Please direct them to www.howdengroup.com/au-en/trades-insurance or have them call us at 1300 904 503.
We offer excesses between $500 and $2,500. We recommend that you select an excess to suit your circumstances.
Yes, just call us on 1300 904 503, we’re here to help!
Just call us on 1300 904 503, we’re here to help!
¹ The displayed price is based on an approved business in South Australia that employs 2 staff members, has had no claims the last 5 years, on a $500 excess, has taken out $10m cover limit and has opted to pay their premium annually. Please note, if you select to pay your premium in monthly instalments, this will attract additional costs and that the total cost of your insurance policy will depend on the state your business conducts business in, number of employees, the level of cover required, the excess selected as well as your claims history.
² The displayed price is based on a client in ACT who has selected the minimum level of coverage being $2,000 with a $500 excess, and has opted to pay their premium annually. Please note, if you select to pay your premium in monthly instalments, this will attract additional costs and that the total cost of your insurance policy will depend on the state of your registered business address.
³ The displayed price is based on an approved business in ACT with no staff, Turnover of under $3,000,000 on a $1,000 excess, has taken out $25,000 limit per claim and has opted to pay their premium annually. Please note, if you select to pay your premium in monthly instalments, this will attract additional costs and that the total cost of your insurance policy will depend on the state your business conducts business in, number of employees, the level of cover required, the excess selected as well as your claims history.
* In some instances, an eligibility criteria may apply
**By deciding to pay your premium monthly, you will be required to enter into an agreement with a premium funder which, as a result of financing your insurance premium, will attract interest.
Any advice included in this website is general advice only and does not take into account your objectives, financial situation or needs. You should carefully read the relevant Product Disclosure Statement and Financial Services Guide to help you decide if the product is right for you.