Let's chat about something super yawn but very important: making sure your contractor/service provider is properly insured.
We have had a number of instances recently that could have gone pear-shaped for our client if we weren't adequately insured, including a photographer breaking his foot onsite due to uneven ground.
In Australia, we've got some strict rules about workplace safety and liability, so getting this right is a big deal. Two insurances you definitely want to look out for when using a company are workers' comp and public liability. Here's why they're crucial and how they keep everyone protected.
Workers' Comp: Keeping the Team Safe
Workers' comp is like a safety net for employees if they get injured or sick on the job. In Oz, most businesses, including contractors, have to have it. This insurance covers things like medical bills, rehab costs, and lost wages for workers hurt while working.
For you as the client, hiring a contractor with workers' comp means you're not on the hook for any worker's medical bills or legal stuff if something goes wrong on your project. Plus, it shows the contractor cares about their team's safety, which is always a good sign they'll do a top-notch job.
Public Liability: Protecting Your Property and Wallet
Public liability insurance is like a shield for both the contractor and you against claims of property damage or injuries during the job. Whether it's a mishap like someone slipping or damage to nearby property, this insurance covers the costs and legal stuff that might crop up.
Having a contractor with public liability insurance means you won't be left holding the bag for any accidents or damage that happen during the job. It's like having an extra layer of protection for your property and your wallet.
Don't Skimp
The importance of hiring a contractor with the correct insurances cannot be overstated. Workers' compensation and public liability insurance are not just optional add-ons; they are essential safeguards that protect both the contractor and the client.
For clients, working with an insured contractor offers peace of mind, knowing that they are protected against potential liabilities and legal risks. It also reflects the contractor's commitment to safety, professionalism, and compliance with Australian laws and regulations.
For reference Crib Creative is fully insured for both Public Liability and Workers Comp, both on the ground and in the sky ( drone work) as these can be very different insurance packages, so rest assured you are covered!
Let's Talk About Something Boring, Insurance :)
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