Qtrust Insurance & Advisory in Ashburton, Victoria | Insurance company

Qtrust Insurance & Advisory

Locality: Ashburton, Victoria

Phone: +61 1300 798 991

Address: L1 169 High Street 3146 Ashburton, VIC, Australia

Website: http://www.qtrust.com.au

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25.01.2022 Stop by our blog for more information, and news!

24.01.2022 Underpinning, Weakening of Support, Piling, Shoring Insurance Owner builder projects requiring underpinning, weakening of support, piling or shoring activities may find general construction insurance products exclude these activities. Underpinning, piling or shoring is the process of strengthening and stabilising foundations of existing building or other structures such as neighbouring boundary walls, retaining walls, and pool construction. Owner builders undertaking these a...Continue reading

24.01.2022 Owner builders face particular financial and personal risk from, careless, irresponsible or just plain unlucky sub-contractors who cause injury or damage whilst on your project, and your site. If a delivery drivers damages roads or neighbouring property, an owner builder maybe responsible to pay and make good. And as we have seen recently, severe weather leaving expensive damages bills that could stop your project or smash your budget.

24.01.2022 How do we become owner builders? Is it worth it? We hear many scary stories! Who can we trust? Qtrust heritage is over 30,000 owner builder situations signed off. Over 60,000 owner builder projects sighted in recent years. We know detail, - in detail. Our size, experience and reputation is your guarantee we wont stuff you around. We're experienced, qualified and Australian licenced.

21.01.2022 As Owner Builders we believe it's important to understand the detail of construction insurance including public liability and third party property damage. Qtrust places a heavy emphasis on risk mitigation practices including options to ensure you and your familys financial wellbeing is protected.

21.01.2022 Who has health and safety responsibility when owner building? Everyone involved in construction work has health and safety duties when carrying out the work. Principle duty and responsibility falls directly with the building site controller or a person conducting the business of construction. In an owner builder environment, this is the owner builder. An owner builders responsibility is to ensure, as reasonably practicable, that all site visitors and workers are not expo...sed to health and safety risks arising from the construction works. Building sites have many various people attending or conducting construction duties, such as, surveyors, inspectors, contractors and delivery personal. It is common in the construction industry for a person to have dual or several roles when on site. For example, contractors and subcontractors can be persons conducting a business or undertaking but they may also be workers. 4 main duties of an owner builder before construction works commence. 1. Display a sign with contact details. Before construction work starts, the owner builder must make sure that a sign showing the principal contractors name (owner builders name) and contact phone number is placed where it will be clearly seen from outside the workplace. If there is a site project office, its phone number should also be shown on the sign. 2. Prepare a health and safety co-ordination plan and keep it up to date. The owner builder must make sure that a health and safety co-ordination plan is prepared for any construction work before the work starts. During the project, the principal contractor must review the plan to make sure that it remains accurate and deals with all the construction work actually being done. Make the co-ordination plan available for inspection. 3. Make sure all contractors and site visitors are aware of the co-ordination plan. 4. Make sure owner builder construction and public liability insurances are in place. Owner builders are particularly exposed because they face risk as both the principle site controller and the owner of the asset the property. Therefore to minimise and mitigate this double edged threat a quality insurance policy must provide cover against vicarious liability challenges. Vicarious liability imposes responsibility upon one person (and owner builder) for the failure of another, (for example a sub-contractor) to exercise care and diligence as reasonably prudent person would use under similar circumstances. Unfortunately not all policy wordings adequately address this hidden and often misunderstood risk. Qtrust Insurance & Advisory works with owner builders to ensure smooth implementation of construction risk identification and mitigation strategies. See more

17.01.2022 Questions? Check our website or get in touch with us!

17.01.2022 Customer Satisfaction Review 2015

16.01.2022 Advice Driven Insurance Protects Owner Builders Better, Faster & More Cheaply Advice driven insurance practices play a crucial role in educating and advising owner builders on building and renovating risks, particularly highlighting areas where greatest risks and personal exposure hit homes and families. To be effective and creditable an advice driven insurance practice must demonstrate strong industry connections, deep technical experience, and a rich history with proven r...Continue reading

15.01.2022 Is owner building riskier than other forms of building or renovating? Thanks to ‘say-anything building industry representatives’ trying to scare Australians away from owner building. Is there any robustness in checking facts before printing or just go and float sensational headlines? Recently, researching a legal matter regarding adjoining property and protective works notices, I was draw by how many papers have been written on The Traps of Owner Building? Government and stat...utory bodies lead the way. But legal firms aren’t too far behind in writing up the downfalls of self building or home improving. Here are some facts: Over 40,000 Australians start an owner builder project each year; Legislating to close down owner builders such as recently in NSW and some time ago in Queensland has only pushed home owners to renovate without appropriate permits. Australia is not ‘russia’ and should feel entitled to build a front fence, or remodel a bedroom or erect a kit home and even build their own home, within the rules and regulations of our building Acts; Owner builder’s insurance claims are significantly less than builders and subcontractors. If insurance claims are a measure of adverse building site incidents, then the owner builder segment is an exemplary performer; Builders and tradespeople are significant beneficiaries from owner builder activities as owner builders are far more likely to assume the role of project manager rather than actually do the physical work; Owner builders build or renovate to live in their residence. Therefore quality of the finished product is generally superior to a project home. Whilst some owner builders may be delinquent in their finished product, licenced builders and tradespeople make up the largest segment dragged into our consumer and civil dispute tribunals and courts for failing to deliver their promised product; So why scare monger? Self interest is always a good start. The Australian domestic construction industry is an economic powerhouse: it drives employment, consumer spending, government likeability and general happiness levels. Housing industry member groups need to protect their members and of course their membership revenues. Owner building or self renovating is legitimate and highly rewarding and economically sensible, providing that the owner builder has the necessary prerequisites such as project management skills in the main. Owner builders can expect to save around 28% to 35% off their building project by reducing or eliminating builder profit margins. Self interest declaration: Sam Greco is principal of Qtrust Insurances & Advisory Services, a leading owner builder insurances house. See more

15.01.2022 Why trusted brands matter when buying insurance!

14.01.2022 Owner Builders Construction Quality Control System Quality control checklist designed for practical owner builder use to easily manage and control quality of building works. Building quality into any construction project requires hands on supervision. This owner builder resource covers 13 critical building stages that determined the quality of the finished home or renovations. Designed by two of Australias top residential builders, this guide prompts and highlights key const...ruction processes to allow owner builders to effectively supervise building works. Qtrust has selected this guide as the best in class because its practical, easy to use and is very friendly to a collaborative approach with subcontractors to get the best out of the subcontractors skills. Qtrust offers Quality Control Checklist free to its insurance clients. Go here for more information and obtain your free copy of Quality Control Checklist. Phone 03 9886 9034 or 1300 798 991 www.qtrust.com.au Also available: 1. Owner Building Project Consulting Services 2. Site and Quality Inspections Service On site Visit 3. Costing and Estimating Services 4.Constructions Materials Buyers Group where owner builders can save $,thousands off material purchases 5.Trades and subcontractor registry. Local, qualified and insured trades and subcontractor register The services and programs outlined above are provided by independent third-party organisation.

11.01.2022 Insurances made to protect you and your family when owner building, renovating or adding that extension, granny flat, shed or garage. Smart insurance is all about low premiums with greater comprehensive coverage. 1. Guaranteed 100% best price first time. In most cases you receive 3 quotes; 2. Guaranteed 100% best A Class insurers, critically important for your financial security and claims management;... 3. Guaranteed 100% Independent Advisory we dont work for any insurance company. Were 100% for owner builder. See more

06.01.2022 Is owner building riskier than other forms of building or renovating? Thanks to say-anything building industry representatives trying to scare Australians away from owner building. Is there any robustness in checking facts before printing or just go and float sensational headlines? Recently, researching a legal matter regarding adjoining property and protective works notices, I was draw by how many papers have been written on The Traps of Owner Building? Government and stat...utory bodies lead the way. But legal firms arent too far behind in writing up the downfalls of self building or home improving. Here are some facts: Over 40,000 Australians start an owner builder project each year; Legislating to close down owner builders such as recently in NSW and some time ago in Queensland has only pushed home owners to renovate without appropriate permits. Australia is not russia and should feel entitled to build a front fence, or remodel a bedroom or erect a kit home and even build their own home, within the rules and regulations of our building Acts; Owner builders insurance claims are significantly less than builders and subcontractors. If insurance claims are a measure of adverse building site incidents, then the owner builder segment is an exemplary performer; Builders and tradespeople are significant beneficiaries from owner builder activities as owner builders are far more likely to assume the role of project manager rather than actually do the physical work; Owner builders build or renovate to live in their residence. Therefore quality of the finished product is generally superior to a project home. Whilst some owner builders may be delinquent in their finished product, licenced builders and tradespeople make up the largest segment dragged into our consumer and civil dispute tribunals and courts for failing to deliver their promised product; So why scare monger? Self interest is always a good start. The Australian domestic construction industry is an economic powerhouse: it drives employment, consumer spending, government likeability and general happiness levels. Housing industry member groups need to protect their members and of course their membership revenues. Owner building or self renovating is legitimate and highly rewarding and economically sensible, providing that the owner builder has the necessary prerequisites such as project management skills in the main. Owner builders can expect to save around 28% to 35% off their building project by reducing or eliminating builder profit margins. Self interest declaration: Sam Greco is principal of Qtrust Insurances & Advisory Services, a leading owner builder insurances house. See more

06.01.2022 Owner Builder Beach Home Queensland 1800 Pacific Ocean Views Breathtaking 1800 Pacific Ocean views, this architecturally designed, 3 level beach home with extensive outdoor living areas sits on 1600m2 site. Beach residences are perfect match owner builder projects as it encourages ideas of creating an heirloom building as the backdrop to decades of future family get-togethers and memorable summer holidays. The owner building option comes to the forefront when construction qu...ality requires attention to detail and efficient building cost management is a key priority. Also owner building embraces families and broader collaboration, with a lasting sense of achievement when completed. The home owners in this case engaged a registered builder to bring the construction works to lock up and then completed internals and fit out as owner builders. Total construction project value is $1.65million The building site is elevated above one of Queensland and Australias prestige beach. Owner builders, like all builders are exposed to building site and workplace risks. Owner builders do however face a heightened risk resulting from oversight or error, or negligence during the construction phase. In this project the owner builders were concerned about the environmental risks of building above a pristine and beautiful area, and sought expert advice on best to minimise and then mitigate construction and subcontractors risks. An effective risk mitigation plan starts with a broad overview of what could happen, and then what is the probability of it happening. Secondly, qualifying what is in an owner builders control and what is outside such as weather related events, provides a stick frame structure to risk minimization and then mitigation such as insurance Qtrust Insurance & Advisory crafted a three tier risk and insurance solution. Firstly providing a quality control management system (quality assurance check list), for use during the construction period. Then tailoring a construction works insurance program which coupled with a prestige home insurance. The owner builders expect to enjoy their next summer holidays at their new beach home. See more

04.01.2022 How to choose the best owner builder insurance product What separates one insurance from another lies in the quality of the insurer. Quality of an insurer is measured by reputation, experience and commitment to the clients it serves. We hear it every day, when its time to buy insurance nothing is a problem, but when you need them, it appears everything is a problem, says Sam Greco, Chief Executive Qamvis Insurance Group owner of insurance brands Qtrust, Qiducia Underwrite...Continue reading

03.01.2022 Equipment Hire Agreements are designed to protect the hire company and not necessary the owner builder Along with the evolution of owner builders into managers of trades and subcontractors and less hands on, the practice of hiring equipment and machinery has diminished. However fundamental construction site equipment such as portable loos, hoardings and fencing are common hire items. Hire Agreements are often complex documents with content layout and font sizes foreign to m...ost humans. Moreover hire company staff are known to hastily shift a Hire Agreement with pen under the owner builders nose with little time to review the actual document. In nearly all cases these Hire Agreements provide adequate damage waiver, but not always loss or theft. This means damage to equipment may be included in a Hire Agreement but not loss or stolen goods. Insurance is always about detail and knowledge, and often not knowing the right questions means you miss out on important information. FACT- MOST OWNER BUILDER INSURANCE PRODUCTS EXCLUDE HIRE EQUIPMENT FROM THE POLICY. When brokers introduce the topic that Care Custody or Control provisions may cover these hired goods they are wrong. Wrong because any loss or damage will require legal ownership proof, and not necessarily contract or contractual ownership proof. In the situation where burglary of goods occurs an owner builder may not necessarily be found legally liable for the loss. (Confused? speak to our broking team, we know the detail and can explain the technicalities in plain English) Sam Greco, Principal, Qamvis Insurance Group says, owner builders should be made aware that Hire Agreement are designed and constructed to protect the hire company and not necessary the owner builder. Qtrust through its insurers (Qiducia Underwriting and Guild Insurance Ltd (ABN 55 004 538 863, AFSL 233791) provide Optional Cover Extensions, including tools, plant and equipment

02.01.2022 https://qtrust.com.au/construction-works-quality-check-rep/

01.01.2022 Selecting the best insurance is always a matter of selecting the best insurance company. Qtrust only works with, and recommends true, all Australian insurers with independent assessments and accreditation of "A" Class. Local people and local claims management.