Trades
Construction and renovation trades
Builders, renovators, installers, electricians, plumbers, painters, and other trades need clear context around work type and contract responsibility.
Risk signals
Common discussion points
- Work performed at customer or construction sites
- Use of subcontractors and labour-only arrangements
- Tools, plant, vehicles, and equipment in transit
- Contract works and defects-related disputes
- Height, hot works, excavation, or high-risk activities
Covers often discussed
Potential cover areas
- Public liability
- Contract works discussions
- Tools and equipment
- Commercial motor
- Statutory and employer-related liability discussions
Questions for the adviser
Bring these into the conversation
- What type of trade work do you perform and what work is excluded?
- Do you use subcontractors, and who is responsible for their insurance?
- Are there written contracts, warranties, or indemnities?
- How are tools, plant, and materials stored and secured?
Preparation tips
Before the meeting
- Prepare examples of recent projects and contract types.
- List subcontractor use and responsibility boundaries.
- Keep invoices and serial numbers for tools and equipment.
Prepare your risk context before the adviser conversation.
iCura helps organise the facts, questions, and renewal signals that make insurance advice more practical.