Finding Plumbers With Good Insurance for Your Home Needs

Whenever you face any plumbing issue, your first step is opening up the yellow pages to call a plumber. But let me tell you this way you might or might not get the right one. You should always do some amount of research, find the plumber and his services, and only then you should go for it.

Plumbing Insurance Certificate

Always make sure to check for his insurance certificate before hiring him. Also, check for his license or state certification through which you can find out whether the company for which he is working is legal and a recognized one.

By far the most efficient ones will have the correct certification, license, and insurance. One might assume that all plumbing experts have these assets. However, this is not the case. Firms that have recently been established or individual ones often start working without the right certification or licensing. Certifications are not only legislation but provide a guarantee that the plumber has the right skills for the work. Also, it’s crucial that the plumbers have a valid insurance policy. This is crucial because the insurance cover ensures that the customers are protected if something happens during the service.

An experienced one is more capable than a fresher. So do ask about his experience and know how many years is he in this industry. This will also give you information about the plumbing company and whether they have the right insured workers.

Never hesitate in asking questions. You should always clear all your doubts. Do inquire about his ways of doing the job and how will he handle more complicated situations that can involve accidents or property damage.

Always go for a plumber that guarantees his job. Since you are paying a lot for the job, it is workers responsibility for the clean up work. He should clean the entire area after the work has been done. But make sure that all these points are included in his contract before you hire him.


It is important to note that lower prices are always not the best and it can never hurt to compare their prices.An experienced plumber may charge higher rates, but they always know the most effective ways to solve a problem.
As can be viewed, locating the ideal ones can be hard. Hence you have to use the details above. You will also enjoy the benefits of having an insured plumber. If you follow the guidelines above, you’ll surely make an accurate and knowledgeable decision.

Travel Insurance – Top Tips & Advice

This week’s Money Monday comes all the way from Sardinia, Italy. Where Rocco and I are on holiday. You can check out our hotel here….

Travel Insurance is as important as packing your toothbrush when travelling overseas or even in your own country. Here some important things to think about when taking out travel insurance!

To see some of our holiday pics, check out the SugarMamma Instagram page!


SugarMamma.TV is all about educating, inspiring and empowering everyday people to create financial harmony, freedom and independence in your life. Bite sized videos, with quick and easy to understand tips, that you can apply straight away and see the results. SugarMamma.TV is a powerful movement making money and finance more approachable, energetic and enlightening.

A Video Guide to Tradesman Insurance

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Tradesmen come in all different shapes and trades, that’s why our tradesman insurance is tailored to our customers’ needs. We have literally hundreds of policies for specific trades but most have a combination of liability insurance at their heart. Learn more about what makes up tradesman insurance in our new video.

Tradesman Insurance: Video Transcript

Hi, my name is Lorna and I’m an advisor for Towergate.
In this video we’re going to talk about the main features of a tradesman insurance policy.

General tradesman insurance is a business and liability insurance service that can incorporate the needs of your business whatever trades you offer.

In such skilled, regimented and highly competitive industries, you want to be confident you have the right insurance but at the same time no one wants to pay for extra cover they don’t need.
That’s why our trained advisors will work with you to understand your risks and provide a tailored package that provides the right cover, leaving you to pay for only what you need.

This ranges from:

Public contracts
Private jobs,
Working abroad
Working on site
And many more variations for hundreds of trades

Liability insurance for tradesman

Liability insurance comes in different types and sizes depending on what you need, but most tradesman insurance will include some form of the following:

Tradesman public liability insurance

Public liability protects the public from an accident or injury that is caused as a result of negligence on behalf of your business. In cases like this, insurance will pay for valid compensation claims brought against you.

Employers liability for tradesman

Most businesses who have employees, contractors, casual workers or temporary staff are required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.
It will also cover temporary staff, contractors and interns.

Product liability insurance for tradesman

Product liability is for the products you use, make or refurbish. They may need to be insured against faulty workmanship or defects that could cause injury or damage to others. Should someone become injured, or their property damaged whilst using a product for its intended purpose, a claim could be brought against you and product liability cover would ensure compensation is paid to the injured party where the claim is valid.

Tools and stock cover

This covers the equipment you use to perform your job. Some tradesmen have their own equipment, some hire it and some a combination of both. Once you calculate the amount your tools are worth and roughly how often you hire equipment, a specialist insurer or broker can then source you a policy that includes the right level.
If you leave your equipment in your van, on site, even in your shed, as long as you can keep them locked, you can find cover for them.
You must also be careful you have no caps on the amount you insure for each individual item. You can get caught out if you include one off expensive items in a group of less expensive ones as some policies have limits on what you claim per item.

And contract works insurance

This is cover for your on-going jobs. Before you have finished a project and handed over to the customer, if something holds up or damages the site you could be liable. In this case the costs will likely have to be absorbed by you. Contract works insurance as part of your tradesman insurance policy can be easily added during your quote.

There are quite a few other options too when setting up your tradesman insurance so browse our site for more info or give one of our advisors a call on the number on the screen.

Financial Planner Adelaide | Income Protection | Insurance | Financial Planning Advice

Arthur Panagis B Bus (Acct) Dip FS(FP)
Financial Strategist ~ Mob: 0417 820 164 ~
Contact us TODAY for YOUR personalized 45 min ‘Financial Wealth Check’


Tailored Services include:
Planning for tomorrow means making wise choices for your life today. Obviously what choices you make will change throughout your life. With the RIGHT financial advice you can confidently take advantage of more opportunities when they present themselves. Having the right financial plan with the right INSURANCES will help you achieve YOUR goals and protect your future.

*For a personalized CONSULTATION on all your INCOME PROTECTION, Personal and Business Insurances, contact…
Arthur Panagis B Bus (Acct) Dip FS(FP)
Financial Strategist ~ Mob: 0417 820 164 ~

FMG Wealth Strategists
Suite 6 Level 53-57 Glen Osmond Rd,
Eastwood SA 5063
Phone: (08) 71110022

Services include:

Financial planning strategy sessions
Income Protection
Superannuation inc Self Managed Super Fund (SMSF)
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Suite 6 Level 53-57 Glen Osmond Rd,
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…. planning and protecting your tomorrow TODAY!

*Contact us TODAY for YOUR personal personalized 45 min ‘Financial Wealth Check’
— Phone: (08) 871110022

Local Electricians: Why Insurance Cover Is A Must For Small Business Tradesman

If you are an electrician who just got started, or just one who has been in the industry for a very long time, apart from making sure you are fully licensed to perform any kind of electrical work in your local, there are quite a number of things that are required of you; one of them is insurance cover. In fact, the kind of insurance cover you have in place is fast becoming one of the first things clients consider before they decide if they want to hire you. With the way things currently stand; that has not come as a huge surprise. Any electrical work usually comes with a certain level of hazard and you need to be always prepared. There are so many things that could wrong on the job, but with the right insurance cover place, a lot of these problems can b avoided. Here are top reasons why local electricians need the best business insurance plan.


First, you get cover against property damage. During the installation, something wrong can happened. For example due to an error in within a wiring installation, you could end up causing an electrical fire. That is not even the worst part; you could end up razing down the whole building and destroy good worth million of money. Thankfully, should that happen to you today you don’t need to worry if you have one of the best insurance coverage for local electricians. You insurance company will make sure every single thing destroyed is well compensated.

Second; when it comes to electrical wiring and installation, at times you are forced to climb those steep walls or even on the roof. During the process, you can slip , drop from a ladder and end up sustaining some life threatening injuries or even. If you manage to survive, you may be forced to spend all of your life’s saving for treatment. With the best insurance cover however, you will not need to worry about medical expenses. As a matter of fact, a good number of insurance companies will make sure you are properly compensated and helped to get back to your feet.

At the end of the day; when it comes to electrical works, as an electrician, it is important you have proper insurance to cover for any sort of misfortune that might occur during or after the installation. Plus, with it, most clients will also have confidence in you and your work. You will be hired.