Life Insurance and Income Protection for Plant and Crane Operators
Income Protection for Plant and Crane Operators and Their Families
The machines you run, how you’re employed or hire out your own machine, and any cover through work and super shape your cover. We can help you look over any current cover, compare policies and lodge claims alongside you.
Financial Advice for Life Insurance and Income Protection
We Can Help You
- Write up the machines you run, any crane licence class and any ground duties for a cover application
- Separate income from your own work from what a machine earns, for an income protection application
- Read how a policy may treat depreciation and dry hire income when you own a machine
- Size savings for the weeks before any income protection benefit starts, when casual shifts carry no sick pay
- List any cover attached to a site job, labour hire placement, agreement or super account
- Read which business costs any business expenses cover includes, where a policy offers it, against machine finance and hire income
- Count any machine finance and other debts into the life and TPD amounts you need
- Read each TPD definition, in super and outside it, against any tickets and licences you hold
- Plan a trauma cover lump sum alongside income protection for time away from the seat
- Prepare and lodge a claim with you, from hours on each machine to hire invoices, while the insurer assesses it
Who We Help
- Casual operators starting out on rollers, loaders and smaller machines
- Operators on labour hire between placements or partway through a long one
- Civil and roadworks operators running excavators, dozers or graders on big projects
- Mobile crane operators working towards a higher-capacity licence class
- Tower crane operators in the cab on high-rise and major builds
- Doggers and riggers stepping up into crane operation
- Owner-operators paying off a machine while hiring it out
- Small fleet owners who still spend days in the seat themselves
- Quarry and mine site operators on surface plant and haul roads
What we advise on
How Each Cover Works Around Plant and Crane Work
Income Protection
Were illness or injury to keep you out of the cab for a while, what could carry part of your pay?
Income protection can pay part of your income after a waiting period, which can help with the bills and any repayments.
Together, we’ll compare income protection around how plant and crane work is paid, by the hour, project or hire.
Income protection can pay part of your income if illness or injury stops you working, after a waiting period. The benefit is usually based on your earnings in the 12 months before the illness or injury, under the policy’s own definitions of income and disability. Most policies offer a waiting period between 14 days and two years, and benefits can run for a set number of years or to an age.
What we work through with you on income protection:
- Hourly rates, project pay or higher rates on bigger cranes, read against how each policy measures earnings
- Overtime on long project days, and whether a policy’s definition of income would count those hours
- Benefit periods weighed against how many more years you plan to spend operating machines
- Income earned from your own seat time, set apart from hire income a machine earns, where some insurers count only the first
- Compensation scheme payments after a machine accident, and how a PDS says they may cut what a policy pays
- Paying for cover from crane or project pay versus your super balance, with the tax side left to your accountant
- Easing back in with shorter days in the cab, or spotting and ground work, and part payments some policies make
- Income protection offered through a fund or an employer, compared with a policy held in your own name
Life Insurance
Who would need help with the bills and any machine repayments if you were no longer here?
A lump sum paid to your beneficiaries can help with debts and give the people who rely on you time to adjust.
We’ll work out a life cover amount with you from any debts, who relies on your income and any super cover.
Life insurance can pay a lump sum to your beneficiaries if you pass away, and some policies include a terminal illness benefit. Life insurers usually ask about your age and job when you apply. If no beneficiary is named, your estate or the super trustee may decide who receives it, and life cover packaged with TPD or trauma may be reduced by any amount paid on those other claims.
What we work through for life cover:
- Finance owing on an excavator, crane or truck, added to any mortgage when the life cover amount is set
- Business debts held in a company or trust, and any personal guarantee that links those debts to the household
- Any old super accounts from site jobs or labour hire stints, checked for life cover before a rollover
- Your estate or eligible people as nominees, updated when a partner, a machine sale or a fund change comes along
- A bundled policy, where an earlier disability or trauma payment may leave a smaller life lump sum
- Costs a partner or executor could face selling a machine or closing out hire contracts
- A terminal illness benefit, if a policy has one, set against machine finance that would still be owing
- The sum revisited after buying a second machine, moving house or selling the business
TPD Insurance
Long term, what would still fund your plans if you could never work again?
Under the policy’s definition, a TPD lump sum can go towards debts, care and the years ahead.
Together, we’ll weigh TPD definitions against any licences, tickets and machine experience you hold.
A TPD policy can pay a lump sum if illness or injury leaves you unable to work again, under the policy’s own definition. Own occupation looks at your usual job, while any occupation looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and whether it’s offered can depend on the insurer and your occupation.
What we compare with you for TPD:
- Plant and crane operating, checked against each insurer’s terms for whether an own occupation TPD definition is offered at all
- Dogging, rigging, supervising or trainer roles, and how an any occupation test may count those skills
- Each fund’s TPD wording, read against crane or earthmoving work ahead of a rollover
- Medical and job questions on a TPD application, answered with care for each machine and duty
- TPD and life written on one contract, so a payout for disability may lower the remaining life sum
- A TPD lump sum sized against machine finance, any mortgage and retraining for work off the seat
- Machine debts a TPD lump sum could go towards, while any income protection may help with monthly bills
- Daily living tests, used in some policies, read against what a working life on machines involves
Trauma Insurance
How might the bills keep being paid through treatment for a serious illness and weeks off the machine?
Should a listed condition meet the policy’s definition and not be excluded, trauma cover can pay a lump sum.
We’ll walk you through the conditions a trauma policy lists and how its lump sum sits beside income protection.
Trauma cover can pay a lump sum when a listed critical illness or serious injury meets the policy’s definition and isn’t excluded, and medical definitions can be different between insurers. It doesn’t cover mental health conditions. New trauma cover can’t be held inside super, which has been the rule for policies written since 1 July 2014.
What we read with you in a trauma policy:
- How a trauma policy words its listed illnesses and injuries, compared side by side across insurers
- Payment scales for a milder form of a covered illness, where some policies pay part of the lump sum
- New trauma policies arranged away from super and paid personally, as funds no longer offer them
- A possible trauma payout ahead of any income protection starting, with the early weeks off the machine in mind
- Machine repayments and household bills for a stretch away from the seat, totalled for the trauma amount
- Life and trauma sold together, and the life sum, which may shrink once any trauma payout is made
- Wording on a policy from years back, set against current definitions before any switch is considered
- Whether a trauma payout is taxable, a question for your accountant once the amount is chosen
Cover in Super
Would any cover sitting in your super still suit the plant or crane work you do now?
Checking each fund together can show what you hold and help you keep the cover that suits your work.
We’ll check any cover in your super and set out any changes in a financial plan, or Statement of Advice.
Default cover inside super can usually be issued without medical checks, though it may carry pre-existing condition rules set out in the fund’s PDS, and increasing it is usually underwritten like any other application. Default cover may be lower than what you could get outside super, and its premiums reduce your super balance.
What we look at in your super with you:
- Any insurance still held in super from earlier site or labour hire work, read before any account is merged
- An operator under 25, and whether a fund gives automatic cover for a dangerous job or waits to be asked
- Your recorded occupation, checked with each fund so it reflects the cranes or plant you operate today
- Old injuries or treatment, and how a fund’s default insurance may exclude what you had before joining
- Money for premiums leaving your super account, and the long-run effect on the sum you retire with
- Default amounts set beside what the household would need if you couldn’t operate again
- Rolling accounts together only once each one’s cover is known, as Moneysmart suggests checking insurance before closing an account
- Buying your first machine, and checking whether going self-employed alters the insurance attached to your super
Owning and Hiring Out a Machine
As a machine of your own turns into a business, how could cover keep pace with how you earn?
Knowing how an insurer may read owner-operator income lets you choose cover that fits what you earn.
We’ll look with you at how an insurer may read your income once a machine of your own is earning.
Some insurers count only income from your own work, worked out for a self-employed operator from a share of business profits, with add-backs such as depreciation depending on the item and amount. A business may have to pay your super on a contract with you as an individual, mainly for your labour, for your own skills rather than for a result, doing the work yourself. Equipment payments don’t count, and a contract with a company, trust or partnership is different.
What we look at with you as an owner-operator:
- Wet hire and dry hire income, set out separately from your own hours for an income protection application
- Depreciation and other add-backs some insurers may apply to business profits, read for the policy you’re weighing
- Business accounts and tax returns from recent years, gathered with you as income evidence
- Business expenses cover, in policies that offer it, with each policy’s list of eligible expenses read against machine finance
- Super on a contract that’s mostly for the machine, which is generally yours to plan
- A company or trust owning the machine, and who owns each policy, with your accountant advising on the structure
- Workers compensation, generally an employer’s insurance for its employees, and whether it covers an owner-operator left as the scheme’s question
- Cover looked at again when you add a second machine, change hire terms or sell up
Casual, Labour Hire and Project Work
Between projects or on casual shifts, what would carry the household if you couldn’t work for a while?
Planning for the gap before any benefit starts can make a missed week easier to absorb.
Together, we’ll plan income protection around casual shifts, labour hire placements and the weeks between projects.
All employees except casuals are entitled to paid sick and carer’s leave, so casual work has no sick leave to draw on while an income protection waiting period runs. Some policies need a minimum number of weekly hours, and the benefit is usually based on earnings in the 12 months before the illness or injury. Any cover tied to a job relies on whoever employs you, so it’s a question for that business.
What we plan with you for casual and project work:
- A waiting period chosen knowing casual work has no paid sick leave behind it
- Savings sized to carry the household through the waiting period you pick
- Hours that change week to week on casual shifts, set against any minimum hours a policy requires
- Weeks between projects inside the 12 months before an illness or injury, and how those weeks shape the benefit
- Any cover attached to a labour hire placement, asked of the business that employs you
- Injury or income cover in some civil construction agreements, read in the agreement, found through the employer or the Fair Work Commission
- Moving from casual to permanent work, and what paid leave would change about your waiting period
- Each new placement or employer, taken as a point to look at your cover again
Making a Claim
When you need to make a claim, who could stay with you through each step?
Having someone lodge the claim with you and follow it up can leave you more time for everything else.
We can lodge a claim with you and follow it up while the insurer or fund assesses it.
Moneysmart suggests speaking first to whoever you arranged the cover through: the fund, the insurer, a financial adviser or, for cover through an employment arrangement, your employer. An insurer may ask for medical reports, your work duties including physical requirements, your weekly hours, and payslips, tax returns or financial statements if you’re self-employed. The insurer assesses the claim, and a complaint goes to the insurer or super fund first, then to AFCA.
How we help with a claim:
- Who to contact first, depending on whether super, a site employer or a direct policy holds the cover
- The excavator, crane or roller you ran, your shifts and any ground work, set out as they stood before you stopped
- Payslips, hire invoices or business statements, depending on how the machine work was paid
- Scans and specialist letters about time off the seat, requested by the insurer with your permission during assessment
- A workers compensation matter after a machine accident sits with the scheme, and any personal claim is lodged with you
- Sick pay or scheme money that could trim what income protection pays, sorted out at the start
- Progress claim forms while you’re off, and any part payments a policy makes as you ease back
- Where to turn if an insurer’s answer seems wrong: back to the insurer or super fund first, then AFCA
Your work and your cover
How Your Work Shapes Your Cover
What We’d Look At Together
- Your machines and duties: Insurers usually ask about your job when you apply. Which machines or cranes you run, and how much of your day is in the seat, slinging, dogging or on the ground, is part of describing the work accurately.
- Your hours: Some policies only cover you if you work a minimum number of hours each week. Hours that change with casual shifts or from one project to the next are worth setting out, and checking again if they drop.
- How you’re paid: Income protection is usually based on your earnings in the 12 months before an illness or injury. An hourly rate, project pay and income from hiring out a machine can read differently under a policy’s definition of income.
- Seat time and climbing: Long hours seated, vibration on rough ground, twisting to look behind you, and climbing on and off machines or up crane ladders are worth describing as part of the work, so the insurer has a true picture.
- A new licence class: A new crane licence class or a move to tower cranes can change your duties, and the licence itself is renewed every five years. After a change like that, how any policy you hold records your occupation is worth reading.
- Buying your own machine: An insurer may work out a self-employed operator’s income from a share of the business profits, and some look only at income from your own work, so how hire income and depreciation sit is worth reading.
- Going casual or labour hire: Casual employees don’t get paid sick leave, so the waiting period on any income protection needs another way to be carried. Any cover tied to a job relies on whoever employs you, so it’s worth asking that business.
- An injury or time off the seat: Workers compensation is for employees injured at work or made sick by it, if they’re eligible, and for a contractor it depends on the scheme. An income protection policy may reduce its payments by other payments, and an insurer may ask about any claim under way.
This list isn’t complete, and nothing on it decides anything on its own. We start by learning about your situation, and any decision on cover is the insurer’s.
Your options
Why Work With a Financial Adviser for Your Personal Insurance?
| A Ryker financial adviser | Directly from an insurer | An online broker or comparison site | |
|---|---|---|---|
| Type of advice | Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313. | Usually general advice | Usually general advice |
| Advice that considers your health, family, work and goals | Yes, as part of your advice | Not with general advice | Not with general advice |
| Choice of insurers | A wide range | That insurer’s policies only | A panel of insurers, side by side |
| Help preparing your application | Yes, alongside you | The insurer’s own process | Varies |
| Advice on holding cover inside or outside super | Part of your advice | Not with general advice | Not with general advice |
| Support if you need to claim | Yes, we’re in your corner | The insurer’s claims team | Varies |
| Cost of advice | No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose: | No separate advice fee | No separate advice fee |
Type of advice
- Ryker financial adviser
- Personal advice Personal adviceAdvice tailored to you. Like most financial advice, it’s given under an Australian financial services licence.Personal, not general. General advice is a recommendation or opinion that doesn’t consider your circumstances. Personal advice is tailored to your objectives, financial situation and needs.In your best interests. When we give you personal advice, the law requires us to act in your best interests.In writing. You’ll usually receive a Statement of Advice that explains the strategies and cover recommended to you, and why.On the public register. Financial advisers who give personal advice on life insurance, super and investments must be on ASIC’s Financial Advisers Register. See our financial advisers on the register:Ray RegmiRicky (Rajiv) RegmiJack OinezaDean DesoukeyRyker’s financial advisers are authorised representatives of Synchron Advice Pty Ltd, AFSL 243313.
- Direct from an insurer
- Usually general advice
- Online broker or comparison site
- Usually general advice
Advice that considers your health, family, work and goals
- Ryker financial adviser
- Yes, as part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Choice of insurers
- Ryker financial adviser
- A wide range
- Direct from an insurer
- That insurer’s policies only
- Online broker or comparison site
- A panel of insurers, side by side
Help preparing your application
- Ryker financial adviser
- Yes, alongside you
- Direct from an insurer
- The insurer’s own process
- Online broker or comparison site
- Varies
Advice on holding cover inside or outside super
- Ryker financial adviser
- Part of your advice
- Direct from an insurer
- Not with general advice
- Online broker or comparison site
- Not with general advice
Support if you need to claim
- Ryker financial adviser
- Yes, we’re in your corner
- Direct from an insurer
- The insurer’s claims team
- Online broker or comparison site
- Varies
Cost of advice
- Ryker financial adviser
- No cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Choose:
- Direct from an insurer
- No separate advice fee
- Online broker or comparison site
- No separate advice fee
Your Cover for Plant and Crane Work, Worked Through Together
Your Machines and Duties Set Out
The machines or cranes you run, your weekly hours and any ground work, described in full on any application.
Work, Agreement and Super Cover Mapped
Any cover through an employer, labour hire, an agreement and each super fund, listed with the terms each one carries.
Owner-Operator Income Set Out
Income from your own work and hire income from a machine, set out separately for an income protection application.
Waiting Periods Weighed for Casual Work
A waiting period chosen with you, with savings sized for casual work that comes without paid sick leave.
TPD Wording Weighed Against Your Tickets
Any occupation wording read with you against your tickets, licence classes and experience, and whether own occupation is offered.
Life and TPD Amounts Sized for Machine Finance
Any machine finance, home loan and household costs added up with you to size each cover amount.
Super and Policy Nominations Reviewed
Nominations for eligible people or your estate looked at again after a new machine, fund or family change.
Claims Lodged and Followed Up
A claim lodged with you and chased up with the insurer or fund until a decision is made.
Proactive, Holistic, and Experienced Financial Planning
Choosing cover gets easier when someone takes the time to understand how your working life runs. We listen first, to how the work comes in, machine by machine and project by project, and to what you want your cover to do for you and the people who matter to you. We explain each option in plain terms, answer questions as they come up and go at a pace that suits you, and every decision along the way stays yours.
We also take the paperwork off your hands where we can. With your consent, we can gather fund statements, policy documents, payslips or business accounts and any agreement papers, then follow things up so you don’t have to chase them. A partner or family member is always welcome to join the conversation, and if you ever need to claim, we’ll lodge the claim with you and stay with it until the insurer has made its decision.
Every financial decision impacts the next
Your Financial Life Is Connected
Great advice starts with understanding the bigger picture. Every stage of life presents new opportunities and challenges, from buying property and changing careers to growing your family, planning for retirement and protecting what matters most. At Ryker, we help connect every piece of your financial world into one clear strategy.
Your
Wealth
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
Frequently Asked Questions
Ryker’s financial advisers are licensed to give personal advice under Synchron Advice’s Australian financial services licence (AFSL 243313). We start with you: your work on plant or cranes, your family, work, income, assets and goals. Then we recommend the types and amounts of cover that suit your life.
Plant and crane work can mean casual or labour hire shifts, pay that moves with the machine, licence class or project, and for some a machine of your own. Any of these can change how an insurer views an application and how a policy pays, so your machines, duties, hours and income all come into it.
With a financial adviser, you also have:
- Access to a wide range of insurers, who can assess the same health details differently
- Help preparing your application and answering the health questions with care
- Advice on whether to hold cover inside or outside super, and the trade-offs
- Reviews as your health, family and work change
- Someone in your corner if you ever need to claim
Going directly to an insurer can mean no separate advice fee, but you’ll only see that insurer’s policies, and you’ll generally receive general advice only, which doesn’t consider your personal circumstances.
Going through an online comparison site or broker, you may see more options side by side, but they also generally provide general advice only, which doesn’t consider your whole financial picture.
When we give you personal advice, the law requires us to act in your best interests, which we take personally. The insurer still decides whether to offer cover and on what terms.
We’re invested in your long-term success. What we do is personal, and we take it personally.
Your financial decisions connect, so we consider the parts of your financial life that are relevant to the advice you need:
- Property & Investing
- Career & Income
- Tax Strategy
- Insurance & Protecting Your Family
- Super & SMSF
- Wealth & Investments
- Life Events & Changes
- Business & Wealth
- Legacy & Future Wealth
- Retirement Planning
This is how we help you make decisions today with your longer-term goals in view.
Everybody’s situation is different, so we listen first, understand what matters to you and explain your options clearly before we make a recommendation.
That depends on the policy. Some insurers count only income that comes from your own work, and for a self-employed operator they may work it out from your share of the business profits. Some add back costs such as depreciation, depending on the item and the amount.
Hire income that keeps coming in while you can’t work, such as a machine out on dry hire, is a question to put to the insurer, and each policy’s wording sets out how it reads earnings. We can read the income definitions with you, gather recent business accounts and set out how your earnings split between your own work and the machine. Your accountant can confirm the figures and any structure, and the insurer decides on the cover it offers.
A few things, starting with sick leave. All employees except casuals are entitled to paid sick and carer’s leave, so on casual shifts there’s no leave to draw on while an income protection waiting period runs. Most policies offer a waiting period between 14 days and two years, so savings sized for the one you choose matter.
Some policies only cover you if you work a minimum number of hours each week, and the benefit is usually based on earnings in the 12 months before the illness or injury, gaps between projects included. Any cover that comes with a labour hire placement is a question for the business that employs you. We can compare policies with you around hours that change week to week.
As they are, in plain detail. Since 5 October 2021, the duty when applying for consumer life cover is to take reasonable care not to make a misrepresentation, which means answering the questions asked with reasonable care. If you leave out important details, the insurer may change or cancel your cover or refuse a claim (Moneysmart).
For plant and crane work, that means naming the machines or cranes you run, any crane licence class you hold, your hours in the seat, and any slinging, dogging or ground work. A new licence class or a change of duties later is a good reason to review any cover you hold. The insurer decides how it views each answer, and we can prepare the application with you.
Through the definition’s own test. Own occupation cover looks at whether you could go back to your usual job, while any occupation cover looks at any job suited to your education, training or experience. Own occupation cover is usually only available outside super, and whether it’s offered can depend on the insurer and your occupation.
For an operator, tickets, licence classes and any time spent supervising, training or running a site can all form part of the education, training or experience a policy reads, so the exact wording is worth reading closely. Each super fund also uses its own TPD definition. We can compare the definitions with you, inside and outside super, and the insurer or fund assesses any claim against its own wording.
Some civil construction agreements include injury or income cover paid for by the employer, and the details sit in the agreement itself. Different agreements carry different benefits, so who is covered, for what and for how long varies from one to the next.
You can ask your employer for a copy of any agreement you work under, or search the Fair Work Commission website for it. Workers compensation is separate, through a state, territory or Commonwealth scheme, and is there for employees injured at work if they’re eligible. A new employer, a move onto another agreement or starting out with your own machine can change which agreement cover applies to you. We can map any agreement cover with you beside your super and any personal cover.
Begin with what the machine and the household owe. Machine finance generally has to be repaid whether or not you can work, so it sits beside any home loan and other borrowing, along with what the people who rely on your income would need day to day.
Life cover is sized for the people you’d leave behind, and TPD for you if you could never work again, so the two totals can differ. Any cover already held in super or a policy counts towards each. Where a company or trust owns the machine, your accountant can advise on the structure and its tax side, and we can look at policy ownership with you. We can work out both amounts with you, and the insurer decides on the cover it offers.
Buying over the phone usually means one insurer’s policies and general advice, which doesn’t consider your personal circumstances. The call works through the questions that insurer asks.
Personal advice begins further back: the machines you run, how your income splits between your own work and any machine you hire out, any cover through an employer, labour hire, an agreement or super, and what your household would need. From there we compare policies from a wide range of insurers with you, read each income definition and prepare the application together. The insurer still decides on any application and its terms.
Your accountant and financial adviser bring different expertise to the same decisions. Your accountant can advise on tax reporting, structures and consequences; we help you plan how cashflow, debt, super, investments and protection work towards your goals. We can coordinate before important decisions.
What an accountant does
- Prepares and lodges tax returns, BAS and financial statements
- Advises on tax structures such as companies, trusts and partnerships
- Manages bookkeeping, payroll and ATO compliance
- Provides tax advice on the consequences of a transaction
What a financial adviser does
- Sets a long term strategy across retirement, investing and cash flow
- Builds wealth from early in a working life, starting with cash flow, a first home and super
- Recommends specific super funds, investments and personal insurance
- Operates under an Australian Financial Services Licence, which is required to give personal advice on financial products
- Handles retirement planning, Centrelink and aged care strategy, and estate planning considerations
Professional roles and authorisations matter. We provide financial advice within our authorisations and work with your accountant for specialist tax advice and lodgements.
Where they work together
- Tax position. Your accountant confirms your marginal rate, deductions and carried forward losses, which shapes decisions on super contributions, investment structures and the timing of asset sales.
- Business and entity structures. Your accountant advises on the structure itself and your financial adviser works within it for investments, insurance and succession planning.
- Cash flow. Your accountant’s figures can help us understand what’s available for debt repayment, protection and longer-term goals.
- Before key decisions. We can coordinate with your accountant on contributions, asset sales and other material choices in time to consider relevant tax consequences.
Yes. Casual, on labour hire or running a machine of your own, the first conversation is about the work you do and the people you’d like to look after.
There’s no cost for the initial conversation. Any advice after that is a paid service, with its scope and fee agreed with you in writing first. Useful things to have on hand are recent payslips or business accounts and tax returns, any hire contract, any licence you hold, super statements and any insurance papers, and from there we’ll settle on a sensible next step with you.
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