How long does it take to get a Certificate of Currency from IMAR?

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.

Does IMAR tool insurance cover theft from an open utility tray?

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.

Are sub-contractors covered under my IMAR public liability policy?

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.

Can I pay my IMAR insurance premiums in monthly instalments?

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.

Is there a cooling-off period for IMAR business insurance?

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.

Does IMAR provide specialised cover for high-risk trades like asbestos removal?

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.

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