Many tradies think insurance is a box to tick, but the real risks sit in the policy limits, exclusions and conditions that rarely get a second look. Nic sits down with Jake Ward, Strategic Relationships Manager at East West Group, to unpack the gaps that catch trade business owners out, from height exclusions on liability cover to underinsured tools and equipment and policies that never grew with the business. They compare off-the-shelf cover from big insurers with a tailored program built by a broker, explain how brokers get paid, and cover what to expect from good communication and claims support. Jake also outlines the covers worth considering as a business grows, including accident and health, management liability, contract works and commercial legal expenses, and why super alone often isn’t enough.