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What is tradie insurance?
Insurance for tradies helps cover the cost of common risks and claims, such as third-party injuries, accidental property damage, and stolen tools.
You’re a top-notch tradie, but mistakes and accidents can happen to anyone. Everyday risks could put financial strain on your business. That’s why many tradies choose business insurance to help cover them when things go wrong.
BizCover offers different levels of cover to suit the needs of self-employed tradies and small business owners, from electricians and plumbers to handymen, carpenters, and more.

Why do tradespeople need insurance
Tradespeople often need business insurance to help protect them from potential risks created by their business activities. These may include things such as completing complex projects, managing employees, or hiring subcontractors.
Tradies may also need business insurance to meet legal and contractual requirements and cover some unexpected costs.
Enter a jobsite.
Lease a workshop.
Become licensed.
Work as a contractor or sub-contractor.
Pay legal costs if you face a liability claim.
We cover over 800 tradie occupations
Find tailored insurance options for your trade.
Types of trades we cover
Business insurance is essential for many types of trades, including carpenters, electricians, painters, tilers, roofers and many more.
Common insurance cover for tradespeople
We offer a range of policies designed to cover your business, tools, and stock. Build an insurance package that suits your needs and buy in minutes.
Essential cover
Additional cover options
How much does business insurance for tradespeople cost?
On average, business insurance for tradies costs $91 per month with BizCover*. However, the cost of your policies will depend on different factors, such as the services you provide and the size of your business.
How is the cost of insurance calculated?

Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works for your trade
With BizCover, you can choose different cover levels to suit your business needs, including Public Liability limits up to $20 million.
This is the most you will be paid out if you need to make a claim (the total amount payable may be less, depending on the insurer’s decision and assessment of your claim. All claims outcomes are determined by the insurer.).
Unsure how much to choose? Think about:
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.

Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
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See How Much Others Have Saved By Purchasing a Policy Through BizCover
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
Some types of insurance may be compulsory for tradies to become licensed, work, or meet the terms of a contract.
Public Liability insurance is required to receive and maintain an electrical contractor license in most states and territories. Plumbers in Tasmania and Victoria must have a Public Liability policy to become licensed. Public Liability insurance is usually required for tradespeople, sole traders, and subcontractors to enter worksites. A policy may also be required to lease commercial space for your business (such as an office, workshop, or warehouse).
Professional Indemnity insurance is required for certain types of building practitioners in Northern Territory, Queensland, Victoria, and Western Australia. Starting in July 2026, it will also be mandatory for registered building practitioners in New South Wales. Always check the laws and regulations in your state or territory to understand your insurance obligations.
Personal Accident & Illness is not mandatory for tradies, but it can provide important protections for you and your business.
Sole traders and subcontractors are typically not covered by workers’ comp schemes. If you are injured or fall seriously ill, you may miss out on weeks or months of income while you recover. A Personal Accident & Illness policy may provide a weekly income benefit or lump sum payment to cover lost income, permanent disability, or accidental death (subject to policy wording and limits).
Sole trader and self-employed tradies may need Public Liability insurance to receive a trades license, work as a contractor or subcontractor, or enter job sites.
Even if a Public Liability policy is not required for your work, it can still help protect your business. Public Liability insurance could help you manage the cost of third-party injury and property damage claims. These are some of the most common claims that small businesses face and can be expensive to pay out of pocket.
Every tradie business is unique. BizCover offers Public Liability cover levels of $5 million, $10 million, $15 million, and $20 million (cover amounts may vary by occupation).
When choosing your cover amounts, you may want to consider:
- The size of the jobs that you are working on – The higher the value, the higher risk. You may want to increase your Public Liability insurance accordingly.
Your business contracts – Is there a minimum amount of cover stipulated in your contract? Meeting contractual obligations is essential.
Some tradespeople may be required to have Professional Indemnity insurance to work in some states and territories. For example, plumbers in Victoria must have minimum levels of Professional Indemnity cover to become licensed. Professional Indemnity insurance is also a common requirement for different types of building practitioners.
Always check with your state or territory licensing body to understand the insurance requirements for your trade and location.
BizCover can help tradespeople cover different work activities. We make it easy for a ‘jack of all trades’ to protect themselves from common business risks.
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