Contract Works Insurance Victoria

  • Public Liability and Portable Equipment cover
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Insurance for Tradesmen

... Asked Questions Certain types of business insurance 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 ...

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Sole Trader Insurance

... want a safety net to catch you if an accident or illness leaves you unable to work. Personal Accident and Illness insurance can provide cover if you become permanently disabled or pass away because of an accident. Cover ...

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Business Insurance Melbourne

... Related: Cyber Liability Insurance Who needs business insurance in Victoria? The short answer ... insurance for your business: Public Liability insurance* May be required to work on certain contracts Required before you work ...

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How much does Public Liability Insurance Cost?

... work contracts you take on and/or industry-based requirements. What is the average monthly cost of Public Liability insurance ... insurance by state or territory?^ State Average monthly premium New South Wales $67.94 Victoria ...

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Public Liability Insurance NSW

... unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and your ... think about factors like: Do any of your contracts require a minimum level of public liability cover? ...

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Business Insurance Perth

... are some examples of when you may need business insurance for your business: Public Liability insurance* May be required to work on certain contracts Required before you work on a construction site A requirement of a ...

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Insurance for Tutors

... Tutors need it? While you take all the care to deliver professional advice and services to your students, an insurance claim can have a devastating impact on your tutoring business. Don't learn your lesson the hard way - ...

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The benefits of Professional Indemnity insurance

... your business. 4. Safeguards your reputation You've worked hard to build your professional reputation over the years ... Avoid the drama by having your Professional Indemnity insurance there to cover the cost of the claim. ...

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What is run-off insurance and who needs it?

... . What is Run-Off insurance? It is designed to protect you from claims which may eventuate after you have stopped operating as a business. Run Off provides cover for your past work, even when your business ceases ...

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Public Liability Insurance WA

... When deciding on how much cover you should have a think about factors like: Do any of your contracts require a minimum level of public liability insurance ? Has your industry body set a minimum level of public liability ...

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Do I Need Public Liability insurance?

... contract, or as part of a lease agreement for renting commercial property. Do I need Public Liability Insurance ... task. Don't let your hard work go to waste! Assess your insurance needs and make sure you have adequate ...

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Cyber Liability Insurance

... to you? Hackers are alive and well and get a thrill out of making business owners sweat. Cyber Liability Insurance can assist in managing your risk and help you rest easy knowing your business is covered from even the ...

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Insurance for pharmacy and pharmacists

... small businesses Compare quotes from our trusted insurance partners: Why do Pharmacies and Pharmacists need insurance? Whether you're a pharmacy owner or going solo as a contracting pharmacist, your job involves a great ...

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Insurance for Pet Professionals

... know? Your Public Liability policy covers you anywhere in Australia so you can work with pets from Hobart to Hamilton Island! Insurance for pet professionals Public Liability No matter how much care you take, accidents ...

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Information Technology Liability Insurance

... claims by third parties relating to property damage or personal injury caused by your products. Product Liability insurance usually forms part of a Public Liability policy and the word 'product' will be a defined term ...

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Insurance for Personal Trainers

... is likely you will need to take time off work to recover.  No matter how fit you are, accidents can still happen on and off the job. Personal Accident and Illness insurance can provide levels of cover for loss of income ...

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What does Public Liability Insurance cover?

... claim straight from your back pocket . Bear in mind that Public Liability insurance is designed for all types of businesses, not just those who work in an office or have a fixed business premises… Picture a landscaper ...

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Public Liability Insurance NSW

... a think about factors like: Do any of your contracts require a minimum level of public liability cover? Has ... your Public Liability insurance policy protects you anywhere in Australia. So you can work anywhere from Byron ...

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Personal Accident and Illness Insurance

... you can afford in operating your business . Having Personal Accident & Illness (PA) insurance covers you for loss of income if you were unable to work as a result of an injury or illness. The cover is generally available ...

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Insurance for Dog Grooming

... ? Your Public Liability policy covers you anywhere in Australia, so you can work your razor magic from Broome to Brisbane! Business Insurance* Contents* If your dog grooming business operates from a shopfront you will ...

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Insurance for Disability Workers

... , do not provide cover for procedures that would require a medical or nursing qualification. Public Liability Insurance Every day you work closely with your clients and members of the public, making Public Liability ...

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Who needs Professional Indemnity insurance?

... and bodies. It is also a common requirement for those undertake contract work, with minimum levels of cover often outlined. What does Professional Indemnity insurance typically cover and exclude? Some of the things your ...

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8 Facts About Professional Indemnity Insurance

... client can even accuse you of professional negligence if they are dissatisfied with your work. 2. Professional Indemnity insurance helps shield your finances. A slip of the tongue, document error, or missed deadline ...

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6 ways to save money on tradie insurance

... companies use to calculate insurance premiums is the work that you do. This is more than your specific trade; it's the work you do within it. For example, a plumber who only works on domestic water supply and one ...

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The risky business of insurance

... ill as a direct result of their job. Any business with employees are required to have WC How you buy insurance can save you time and money Shopping around to compare what's covered is an important part of the process ...

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Public Liability Insurance Scenario

... owner of a private horse-riding school on Victoria's Mornington Peninsula. The fifty-six-year old ... I had been responsible and set my business up with the insurance I needed, it would have been a very different story for ...

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BizCover Disrupts Insurance by Commoditising it

... a number of big companies. Any deal would allow these new players to use BizCover's website to sell insurance products underwritten by AIG, Allianz, QBE and Vero. Now in its eighth year, BizCover, which employs 27 staff ...

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Cyber Insurance: Is it worth it?

... or vendor relationships and processes customer-sensitive (non public) information, you need it. Isn't my other insurance cover enough? Take time to review your current policies—especially the exclusions—and you'll likely ...

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Professional Indemnity Insurance for Consultants

... safe option to assure you are covered in the event that someone files suit against you. Professional Indemnity Insurance works by insuring you the cost of a claim made that is equal to your client's monetary loss and ...

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A Guide to PI Insurance

... 't know if they are getting the best deal. This is where BizCover steps in to satisfy your Professional Indemnity Insurance needs. BizCover allows you to get live online quotes in under 2 minutes , and purchase in only a ...

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Insurance for Convenience Stores

... can provide you and your business peace of mind when you need it most.Do you need Public Liability insurance? The short answer is probably yes. Chances are you'll have regular contact with clients, contractors and the ...

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Insurance for Marketing Consultants

... visit you, or you are getting your dose of vitamin D by heading out to meet them, Public Liability insurance is important to your business. It is designed to provide protection for you and your marketing business in the ...

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Insurance for Civil Engineers

... could be claims for things like errors and omissions and negligence.Working with contracts often means you will be required to have certain types of business insurance and levels of cover in place.Each civil engineer is ...

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Insurance for Manufacturers

... stock, plant and machinery, records and furniture belonging to you at the insured location. Building - this type of insurance will cover for loss and damage to buildings you own, as a result of an insured event (such as ...

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Insurance for Carpenters

... work and reputation with the right business insurance is too easy! At BizCover, we offer a framework of insurance ... . Need a certificate of currency to sign a business contract or set foot on a worksite? No worries! Just ...

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Insurance for Makeup Artists

... costs). Public Liability Insurance* When you're working closely with clients on ... contracting makeup artists to have Public Liability insurance before they  even start treatments? Business & Portable Equipment Insurance ...

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Insurance for Car Wash and Auto Detailers

... give you peace of mind, especially if your business is mobile. Insurance for Car Wash and Auto Detailers Public Liability Insurance* When you are working with the public, there's a chance for accidents to happen. All ...

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Insurance for Cafes

... Building* - If you are the owner of your café's building, consider insuring one of your biggest assets. Building insurance will cover for loss and damage to buildings you own as a result of an insured event (such as fire ...

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Why insurance premiums are on the rise

... on as they are hit with this newfound uncertainty. 3. We are facing economic changes Another reason your insurance premiums may be increasing is due to the many external economic forces at play that affect insurers . One ...

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Workers Compensation Insurance

... , appointed by WorkSafe Victoria. QLD Workers Compensation insurance in QLD is government owned and is underwritten by Work Cover Queensland ACT ...

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Introducing Social Media Insurance

... try to make a sale out of a day of grieving , or trying to jump on a politically charged bandwagon . The insurance will cover your costs of PR to rebuild your brand, costs of loss of sales and other costs in the case of ...

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Public Liability Insurance QLD

... accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your ... think about factors like: Do any of your contracts require a minimum level of public liability cover? Has ...

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How much does Business Insurance cost?

... of 790 and 942 businesses respectively. We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was ...

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Business Insurance the Smart Way

... if you use the code SMART50 and a dedicated point of contact to help you with any insurance questions you might have. BizCover works for you by: Compare multiple providers and buy your policy online in just a few minutes ...

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Home Based Business Insurance

... in you being unable to work. Your cover will need to have been in place before you contracted the disease.  Employment Practices Liability Employment Practices Liability (EPL) Insurance is designed to help employers ...

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How much Public Liability insurance do I need?

... Many business contracts will include a minimum amount of Public Liability insurance to be ... insurance for membership or to meet licensing requirements. It is important that you take the time to consider the scale of work ...

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What is Professional Indemnity Insurance?

... work for the government and many organisations are required to have cover to be awarded a contract ... Indemnity Insurance allows you to cover yourself if and when you do slip up in your normal course of work. Here ...

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What is Business Insurance?

... other defined event listed in the policy. Glass Insurance Cover for breakage of internal and external glass ... of claims examples: An unwanted trade: A tradie working on a commercial building locked up his excavator before ...

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Do I need Professional Indemnity insurance?

... incomplete, careless or incorrect work Making mistakes, oversights or ... - ignoring it won't go away. Don't despair. Professional Indemnity insurance is your best defence when faced with a claim. You get the assistance ...

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What does Professional Indemnity Insurance cover?

... good you are at your profession. Professional Indemnity insurance is designed to protect you from a wide range ... impact on your business - something that you've worked hard to build and something that is worth protecting. ...

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Business Insurance

... , for example: You may need to have your own Public Liability insurance sorted before you step onto a construction site If you work on contracts you may be required to have a minimum level of Professional Indemnity ...

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Insurance for Painters

... an investment in protecting your small business for the long run. Personal Accident & Illness Insurance Your work is physically demanding; climbing ladders, using paint rollers and preparing all kinds of surfaces. Your ...

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Allied Health Combined Liability Insurance

... health professionals, holding a Professional Indemnity policy is a registration requirement Public Liability Insurance Regardless of whether you work from your own practice or out and about, when you're interacting with ...

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Insurance for Nurses

... part-time, independent or contract work. It may also be required for voluntary work, such as assisting at sporting events or offering your services to a charity group. Professional Indemnity Insurance can assist with the ...

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Insurance for Furniture Manufacturers

... breakdown Pay monthly or yearly Compare quotes from our trusted insurance partners*: Why do furniture manufacturers need insurance? As a furniture manufacturer, you work to tight deadlines to get your products built and ...

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Insurance for Finance & Mortgage Brokers

... information you hold and the consequences if your business systems were to be compromised. A cyber liability insurance policy is designed to help protect you from claims and support your profitability in the event of a ...

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Insurance for Engineers

... clients, contractors and the general public. Public Liability insurance is designed to provide protection for you and your ... Scenarios A structural engineer entered into a contract with a construction company for the ...

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Insurance for Mobile Food Vans

... attempted theft or armed hold up (it will not cover your mobile food van!).  It is not uncommon for theft insurance to require the item stolen to have been securely stored before the theft and for there to be evidence of ...

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Business Insurance on the Gold Coast

... not be relied upon as advice. ** We know, sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to note that the data included within this article was sourced ...

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Insurance for Electricians

... policy could help you keep the lights on if you're injured at work or play. Why should electricians choose BizCover for their business insurance? Real people adding real value Our friendly service team is on hand and ...

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Reviews related to Contract Works Insurance Victoria

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M McIntosh
    Trades & Services

  • Compare the market were quick to respond to my enquiry, were extremely helpful, took the time out to understand what I needed and came back with some quotes very quickly. They helped me understand what insurance would be best for me and were extremely kno

    Sarah W Woodland
    Trades & Services

  • Easy no fuss way to purchase insurance

    Heath W Wheeler
    Trades & Services

  • Great Price on my Liability insurance

    James M
    Trades & Services

  • Thanks insurance made simple

    Phillip A
    Trades & Services

  • unbelievable savings truly amazing the difference in the insurance costs thank you biz cover i will be recommending you to all my fellow business owners regards Palew Constructions

    Richard A
    Trades & Services

  • Great work

    Diane B Baker
    Trades & Services

  • quick and easy - great work

    David M
    Garden And Lawn Maintenance

What is insurance for tradesmen?

Whether you’re a carpenter, a handyman or a plumber, things like accidentally injuring or damaging a third-parties property or getting your tools stolen are real risks that tradies face every day. Business insurance for tradesmen is designed to give your tradie business the protection it needs and peace of mind knowing that you have a safeguard in place when things don’t stick to the blueprint.

Why do Tradesmen need insurance?

The reality is as a tradie you are exposed to different kinds of risks, making it vital to look at the various types of business insurance options available and how they can protect your business. These are some examples of when business insurance can help:

  • Protection against claims from third parties for accidental personal injury or damage to their property
  • Protection for your tools of trade in case they are lost, stolen or damaged
  • Certain types of business insurances may be required when taking on a contract
  • Financial protection in the event you are faced with a claim


Don’t be a ‘hero’ and rock up to your next job without your insurance. With BizCover you can get multiple competitive quotes from some of Australia’s leading insurers online quicker than you can say “smoko” and grab yourself a feed from the tuck shop!

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 insurances should tradesmen consider?

There are a few types of business insurances you may need to consider as a tradie. This is a snapshot of a few:

Public Liability Insurance

Public Liability insurance may be a requirement for tradies well before you step foot on site and is one of the important types of cover you may need to look at.

Even if you can talk your way out of a pile of rubble, you’re not going to be able to talk your way out of a Public Liability claim.  Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

Consider the possible personal injury claims from trip hazards created by your work activities or the risk of property damage claims – what about if you dropped a hammer and cracked some tiles? What if you forgot to turn the power mains off and electrocuted someone?

A personal injury and property damage claim could have a huge impact on your business, not only financially, but also to your company’s reputation.

If you’re working as a contractor, you should also consider your contractual obligations to carry a minimum amount of Public Liability insurance.  You may also be required to hold Public Liability insurance if you are a member of a particular trade association.

What is typically included?

Compensation for:

  • personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered claim


What is typically not covered?

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period

Business Insurance

Your tools of trade and other business assets help you get the job done, so consider protecting them with coverage options like Portable Equipment* and Contents*

Insuring your tools, and your business against an instance when you have to down tools will ensure you still have a business,

Portable Equipment* – it’s likely you’ve accumulated a lot of tools over several years of work. If they were lost or stolen could you turn up to work the next morning and keep working? She’ll be apples with Portable Equipment cover – it insures items such as tools, business equipment or electronic items.

Professional Indemnity insurance

If you are an electrician, plumber of carpenter, sharing your tradie pearls of wisdom to your clients could lead to a potential claim if things don’t exactly go to plan and an accidental error occurs.

There’s no doubt you know your stuff when it comes to all things tradie, and if you are an electrician, plumber of carpenter  client’s may often seek out your advice on certain things. But did you know that if your advice causes them a financial loss you could be held responsible? That’s where Professional Indemnity insurance can provide a helping hand.

Professional Indemnity insurance covers you for losses claimed by a third party and defence costs due to alleged or actual negligence in your professional services or advice.

Personal Accident & Illness Insurance

Working as a tradie you rely on being physically fit to your business going and getting the job done, so if accident or illness were to strike you need to think of Plan B to help provide an income while you’re off recovering.

As a tradie you need to be fit and healthy to bring in the dough – but have you stopped to think about how you would keep on paying the bills if you were to injure yourself or fall ill and had to take time off work to recover? Accidents can happen anywhere, anytime. It could be at work or even on your own time; whether you are doing a bit of DIY around the house or playing a game of backyard footy on the weekend.

Personal Accident and Illness Insurance provides levels of cover for loss of income, permanent disablement and even death if you are unable to work as a result of an injury or illness.

Product Liability insurance

If your tradie business starts selling products, you may need Product Liability insurance to protect from claims from third parties for property damage or injury.

Tax Audit

If your tradie business is investigated by the ATO it can be a stressful and time-consuming event. It’s a hassle and worry that you don’t need hanging over your head, and that’s where Tax Audit insurance can make things less stressful.

If your accounts are audited by the ATO, you may need to hire external professionals, like an accountant to assist in the process. Tax Audit Insurance covers a business for specified costs in responding to an official tax audit.

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?

BizCover - No Jargons

We won’t bore you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English.

BizCover - Built for Small Businesses

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 paperless

No paperwork required

We don’t believe in mountains of forms and paperwork, just online insurance made easy!

BizCover - Real People

Real people adding real value

Our friendly service team is on hand and on a mission to make you smile!

What kind of tradesmen need business insurance?

These are just some examples of the type of trades industry’s which need to consider business insurance to protect their business:

Tradesman insurance covers a broad range of modalities, including:

  • Carpenters & Woodworkers
  • Electricians
  • Handymen
  • Plumbers
  • Concreters
  • Garden & Lawn Maintenance
  • Painters
  • Bricklayers
  • Lawn Mowing Service
  • Tilers

How much does insurance cost for tradesmen?

Every tradie is different with their own unique features and types of potential risks. There isn’t a one-price fits all kind of tradie insurance policy, the pricing is dependent on your individual factors and circumstances.

These factors can be things like:

  • Your claim history
  • The type of business operations you perform
  • Your annual turnover
  • The number of staff
  • Level of cover
  • Claims history


To receive an accurate idea of how much business insurance will cost for your tradie business have a chat to our friendly team to get a quote.

Frequently Asked Questions

Certain types of business insurance 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?

Prefer to talk?

Call us and talk to a real person.
Friendly, helpful service from a business insurance professional.

1300 249 268

Mon-Fri 8.30am-7.00pm
Sat 9.00am-5.00pm

* This information is a general guide only and does not take into account your objectives, financial situation or needs.  As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.