Insurance for Tradies
Public Liability and Portable Equipment cover
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Public Liability and Portable Equipment cover
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What is tradie insurance?
Tradie insurance (the different types of business insurance designed for tradespeople) helps cover the cost of common claims for tradies, 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. An on-site injury, tool theft, damaging a client’s property… The potential troubles that tradies face is endless—and could create hefty bills.
If paying them out of pocket would crumble your business’ foundations, then you might want to consider business insurance.
Why do tradies need insurance?
Tradies may need business insurance to meet legal and contractual requirements and cover unexpected bills when facing a claim.
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 tradies
Search for your occupation and compare free quotes
Who needs tradie business insurance?
Business insurance is essential for many types of trades, including carpenters, electricians, painters, tilers, roofers and many more, like:
What types of insurance do tradies need?
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
Popular cover types for tradies:
Tradies could also consider:
How much does tradesmen insurance cost?
The average cost of a business insurance for tradies is $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.
The prices are real, get that new policy feel
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 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 Profession 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 cover you, 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 cover you, 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
5 easy steps to get instant cover online today
Select Profession
Pick Your Covers
Add Business Details
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
Instant policy docs to your inbox.
How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
Award-Winning Tech & People
We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ 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
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.
Just like any other sole trader or self-employed business, insurance is something which you should consider as part of your business plan. Tradesman insurance helps sole traders protect their business assets, tools, stock and more, so they’re not left with unplanned bills when things go wrong.
While some types of insurance may be a requirement, there are a variety of cover options designed to protect the things that matter most to your tradie business.
Every tradie business is unique. The amount of Public Liability cover you choose may be different than the tradie down the street. BizCover offers several levels of Public Liability cover — $1 million, $2 million, $5 million, and $10 million—so you can choose a cover amount that fits your business needs.
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.
Hear from our customers
Real-life customer reviews verified by Feefo
Awesome and saved me $100 a month
Chrisptopher B
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
Quick and easy. Took the hassle out of shopping around and comparing.
Adam T
So easy to renew – takes the hassle out of organising insurance.
Sarel D
Easy to use and beat my current insurances quote by a long shot- happy.
Thomas T
Real-life customer reviews verified by Feefo