Building Insurance Checklist may05.qxp

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					Office locations                                                 HIA Insurance Services is the specialist   Test your current insurance
With over 28 offices across the country, we’ve got Australia     in insurance for the building and          Give us a call and see how your current insurance
covered.                                                                                                    handles the challenge.
                                                                 construction industry. We provide all
Jolimont                                     1300 554 227        your insurance needs under one roof
Tasmania                                                                                                    Contact us
Hobart                                      (03) 9234 9770       – whether you need to protect your
Launceston                                  (03) 9334 3333                                                  If you have a question about an existing insurance
                                                                 business, home or family you can be        policy or want to know more about the products
New South Wales
                                            (02) 6021 6633
                                            (02) 6332 9388
                                                                 sure that we will have the right cover     available through HIA Insurance Services, please
Cowra                                       (02) 6342 3077                                                  contact us.
Dubbo                                       (02) 6882 4822
                                                                 for you.
Griffith                                    (02) 6962 4855
Lismore                                     (02) 6621 9833
Moree                                       (02) 6752 3133                                                  Freecall 1800 633 467
Murwillumbah                                (02) 6672 4544
Newcastle                                   (02) 4929 1464       •   expert knowledge of the building
Orange                                      (02) 6362 6799
Ryde                                         1300 200 201            and construction industry’s            Visit our website
Tamworth                                    (02) 6766 5422
Wagga Wagga                                 (02) 6921 1377           insurance needs,             
Australian Capital Territory
Canberra                                    (02) 6230 4985       •   a partnership with Australia’s
Brisbane                                    (07)   3223   7400       biggest insurance broker, Aon,
Cairns                                      (07)   4051   0688
Gold Coast                                  (07)   5574   0911
Mackay                                      (07)   4944   6400   •   fast and efficient service,
Rockhampton                                 (07)   4927   7411
Sunshine Coast                              (07)   5491   4455
Toowoomba                                   (07)   4632   4400
                                                                 •   a comprehensive range of
Townsville                                  (07)   4725   5906
                                                                     products and services,
Western Australia
Perth                                        1300 800 801
                                                                 •   15 years’ experience and a team
South Australia
Adelaide                                     1300 600 601            of home warranty experts to help
Northern Territory
Darwin                                      (08) 8981 9400           you get the best result for your
                                                                     home warranty insurance cover,                                                                            The Building Insurance
                                                                                                                                                                               Checklist Challenge
                                                                 •   specialist home warranty skills                                                                           HIA Insurance Services
                                                                     and systems.                                                                                     An Authorised Representative of Aon Risk Services Australia Ltd
                                                                                                                                                              ARN 275925
Checking on value for money                                     Public Liability                                                   Products Liability                                                  General Protection
The cheapest insurance policy is no bargain when it doesn't     Legal liability arising from personal injury or property damage.   After handover of the building/project to the owners it             Together with our sister company Aon Personal Insurance
provide cover when you need it most. So check what you get                                                                         becomes “Your Product”. Products Liability covers you for           (API) we are able to deliver market leading general
                                                                                                                    Are you
before you buy. At HIA Insurance Services we welcome close                                                                         injury to third parties or damage to third party property caused    insurance products to you.
scrutiny because we've grown out of the building industry and                                                       covered        by your product. The policy is further extended by inclusion of
your representative organisation. We know what builders need    Common causes of claims                             with HIA       completed operations cover (limit $1,000,000).
and we're prepared to give it to them.                                                                              Insurance

Construction Insurance                                          Third parties falling on or near the                               General Property             (Tools of Trade - 24/7 cover)          You can access a broad range of personal insurance
                                                                                                                     Yes                                                                               products, with excellent coverage and at a competitive
                                                                building site
                                                                                                                                                                                      Are you          price.
Physical loss or damage to the insured project.
                                                                Injuries caused by mobile plant                      Yes                                                              covered
                                                  Are you                                                                                                                                              The full range of insurance includes:
                                                                Injuries caused by falling articles                  Yes           Common causes of claims                            with HIA         • boat
                                                                                                                                                                                      Insurance        • car
Common causes of claims                           with HIA      Common Law actions from Sub-                                                                                          Services?        • caravan
                                                  Insurance     contractors and/or their employees for
                                                                                                                     Yes                                                                               • home and contents
                                                  Services?     injuries sustained while engaged at the                            Loss of tools from theft or burglary from
                                                                                                                                                                                       Yes             • landlords
                                                                building site                                                      the building site
Theft, burglary                                   Yes                                                                                                                                                  • strata
                                                                Unintentional breach of copyright                    Yes           Loss of tools from theft or burglary from                           • travel
Malicious damage                                  Yes                                                                                                                                  Yes
                                                                                                                                   a locked vehicle or secured tool box
                                                                                                                                                                                                       For more information on the above products or to get
Lightning, fire, explosion                        Yes           Damage to existing structures while                                Loss of tools from theft or burglary from                           an online quote visit the API website at:
                                                                carrying out alterations and additions to                                                                              Yes
                                                                                                                                   a shed                                                     or call
Windstorm, rain, flood                            Yes           buildings, including water damage to                 Yes                                                                               1300 134 256 (Free Call).
                                                                ground floor structures while carrying out                         Loss or damage to tools as a result of
                                                                first floor additions                                                                                                  Yes
Earthquake, subsidence, landslip                  Yes                                                                              an overturn and/or collision of a vehicle
                                                                                                                                                                                                       We’ll keep you covered
Impact by vehicles                                Yes           Damage to vehicles including concrete
                                                                                                                     Yes                                                                               We're confident no one can beat us on our Checklist
                                                                splashes and/or falling objects                                    Please Note                                                         Challenge. But our value is even better than it appears. The
Damage caused by faulty workmanship               Yes, with
                                                  some                                                                             HIA Insurance Services recommends that all Tools of Trade           broad definitions in our policies give you even greater
                                                                Collapse of retaining walls                          Yes
                                                  conditions                                                                       policies are for full replacement value. Some policies only offer   protection.
                                                                Damage to surrounding property caused                Yes with      depreciated value, which means you're out of pocket when
                                                                by vibration or by removal or weakening              limited       you need to replace all your tools.
or faulty materials                               Yes, with     of support to that property                          cover
                                                                Impact by vehicles                                   Yes
Tools of trade On-site                            Yes (Limit    Damage caused by faulty workmanship                  Yes, with
                                                  $20,000)      or faulty materials                                  some


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