Insurance for Tradies
- Public Liability and Portable Equipment cover
- Trusted by over 250,000 small businesses
- Pay by the month option & policy documents emailed instantly
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Why do tradies need insurance?
Worksites can be unpredictable places, which is why many tradies choose business insurance.
Tradie insurance (the different types of business insurance designed for tradespeople) helps your business manage the cost of various risks, like third party injuries, accidental property damage, stolen tools, and mistakes in your work—just to name a few.
What types of tradies consider business insurance?
Most trade industries consider business insurance to protect their businesses. BizCover offers many cover options, including:
- Bricklayer insurance
- Carpenters insurance
- Concreters insurance
- Earthmoving insurance
- Electricians insurance
- Garden & Lawn Maintenance insurance
- Handyman insurance
- Lawn Mowing Service insurance
- Painters insurance
- Roofers insurance
- Plumbers insurance
- Tilers insurance
- And many more!
Did you know?
Your Public Liability policy covers you anywhere in Australia, so you can work your trade magic anywhere from Brisbane to Balmain!
What insurance do tradies need?
Public Liability insurance
Consider possible personal injury claims from trip hazards created by your work activities or the risk of property damage claims, like cracking some tiles with a dropped hammer. Public Liability insurance* can help you manage third-party claims like these. In some cases, a Public Liability policy is required well before you step foot on site, if you’re working as a contractor or subcontractor, or to join specific trades associations.
Many Public Liability policies also include Product Liability insurance*. This cover may be beneficial if your tradie business starts selling products.
Business Insurance
Your tools of trade and other business assets help you get the job done, so consider protecting them with a Business Insurance Pack*. You can customise your pack to include coverage options like Portable Equipment* to help protect your tools and Contents* to cover stock.
Professional Indemnity insurance
If you are an electrician, plumber or carpenter, sharing your tradie pearls of wisdom with your clients could lead to a potential claim if an accidental error occurs. Professional Indemnity insurance* could help you manage claims of financial loss, negligence, and more related to your professional services or advice.
Personal Accident & Illness Insurance
As a tradie, you rely on your physical fitness to keep your business going and get the job done. Personal Accident & Illness insurance* could be your ‘Plan B’, helping you pay the bills while you recover from an accidental injury or a serious illness.
An unwanted trade
A tradie working on a commercial building locked up his tools before leaving the worksite at the end of the day. The next morning when the site was opened his tools were nowhere to be seen. A double whammy – no tools and potentially a contractual penalty for delaying the work. The insured’s claim was dealt with quickly and he was able to replace his tools in time to avoid all penalties.
Why choose BizCover for your tradesmen insurance?
We won’t bore you with jargon
We’re not fans of complicated insurance speak, so we talk to you in plain English.
Cover to match your needs
You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!
No paperwork required
We don’t believe in mountains of forms and paperwork, just online insurance made easy!
Real people adding real value
Our friendly service team is on hand and on a mission to make you smile!
How much does tradesmen insurance cost?
Tradies pay an average of $115.12 per month for their business insurance with BizCover†. That’s based on over 66,700 tradies who bought insurance with us in FY2024.
However, every tradie is different, with their own risks and business needs. That means the cost of tradesman insurance varies based on factors such as your work activities, the number of people covered, and your annual turnover.
Frequently Asked Questions
Certain types of business insurance for tradies, like Public Liability insurance may be a requirement before you can work on a job. It is always important to check your contract or agreement to see if a minimum level of cover is also stipulated.
If you rent your business premises, Public Liability and even Glass cover may be outlined as a requirement of your rental agreement by your landlord.
Just like any other self-employed business, insurance is something which you should consider as part of your business plan to help you stay in the tradie game for the long haul. While some types of insurance may be a requirement, there are a variety of coverage options designed to protect the things that matter most to your tradie business.
Just like the cost of business insurance, there isn’t a blanket cover for all tradies. However, there are a few factors that you can keep in mind when trying to calculate your level of cover. For example:
- The size of the jobs that you are working on. The higher the cost, the higher risk and you may want to look at increasing your Public Liability insurance accordingly
- Is there a minimum amount of cover stipulated in your contract?
Customer Reviews
Rated 4.6/5 for Customer Experience
Every staff member I spoke to was than happy to help me through all of my questions. Great service! Won me over from a competing company
James O
Trades & Services
From quote to cover it was straight forward and easy
Andrew G
Trades & Services
Quick and easy. Took the hassle out of shopping around and comparing
Adam T
Trades & Services
Easy to use and beat my current insurances quote by a long shot- happy.
Thomas T
Trades & Services
Awesome and saved me $100 a month
Christopher B
Trades & Services
So easy to renew – takes the hassle out of organising insurance.
Sarel D
Trades & Services
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