Imar offers legal liabilty cover of up to $20 million and a host of different insurances you can shape to the needs of your business – even if it’s a business of one.
With imar, a large range of cover options are available for both sole traders and those who own larger businesses.
Insurance plans can be customised to meet specific requirements, meaning you only pay for services you actually need.
imar does not issue business insurance. Instead, it works with a range of insurers and underwriters to arrange cover on your behalf.
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Who is imar?
imar is a general insurance broker with more than 35 years of experience in helping tradies and small business owners in Australia to find suitable coverage. In 2014, imar became part of the Gallagher Group, a global insurance broker.
What features are available?
Public liability. You'll be covered for the high cost of legal expenses resulting from damages to someone's property or if someone gets injured due to your work. While its name implies the general public, this type of business cover extends to your customers and suppliers too. Imar offers cover of up to $20 million and tax audit cover for up to $10,000.
Injury & illness. If you're not covered by a state-based workers' compensation scheme, then sickness and accident insurance could help you out. imar offers waiting periods from 14 days, after which you could get your first payment while on a claim. Its benefit period – the amount of time you could be paid for – is between 1 and 5 years. There's an option to get 'injury only' cover only. This can help you manage your insurance costs.
Tools insurance. Get peace of mind that you can replace your all-important tools if they get stolen. With imar, this can extend to mobile phones, laptops, and portable GPS devices. You can also get cover for hired goods, of up to $5,000. Read more on how tool insurance works.
Builders. Choose from specific products which are aimed to address the needs of building businesses. This can include large machinery and plant equipment, as well as theft or damages on-site. But it also covers personal insurance for workers, such as income protection or Total and Permanent Disability (TPD) insurance.
Small business insurance. Imar offers a range of different products tailored to meet the needs of small businesses. This includes cover for vehicles against damage or loss, and cyber insurance to financially protect you in the event of a cyber hack.
Make sure you read the PDS
2022 Finder research shows that 23% of Australians can't be bothered reading the PDS. It may be boring but it's worth it in the long run.
Making a claim
Customers of imar get the peace of mind that comes with 24/7 claims processing. This can help you manage some of the stress if something goes wrong.
If you need to make a claim during business hours, between 8:30am and 5:00pm (Mon-Fri), call 1300 568 521. At any other time, you can call 1800 254 287.
Make sure you provide any information or supporting documents as soon as possible after they are requested, so there's no delay with your claim.
FAQs
You can usually receive a Certificate of Currency immediately via email once your cover is arranged and payment has been confirmed. This quick turnaround allows tradies and builders to provide the necessary proof of insurance to enter worksites or finalise contracts without delay.
No, tool insurance typically requires that items are stolen from a securely locked vehicle or a bolted and locked toolbox. Claims generally require evidence of forcible and violent entry, meaning tools left loose in an open tray or an unlocked vehicle are usually not covered.
No, your policy typically only covers your vicarious liability for their actions and does not provide direct public liability protection for the sub-contractors themselves. It is standard practice and highly recommended that all bona-fide sub-contractors maintain their own independent public liability and tools insurance.
Yes, IMAR offers the option to pay premiums monthly to help small businesses and tradies manage their cash flow. For many trades, such as carpentry and plumbing, these monthly payment plans can be arranged at no additional cost through premium funding.
Yes, there is a 14-day cooling-off period during which you can cancel your policy and receive a refund of the premium. You must notify the broker in writing within this two-week window, though keep in mind that certain broker fees or commissions may not be refundable.
Yes, IMAR can arrange specialised insurance for high-risk activities including asbestos removal, demolition and plumbing work. As they act as a broker, they have the ability to negotiate with multiple underwriters to find specific terms and endorsements that standard direct insurers might exclude.
James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146).
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Youi Business Liability Insurance provides financial protection when the activities of your business lead to third-party property damage or someone suffering an injury.
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