Is business insurance compulsory for tradies?

P ublic 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.

I’m a sole trader. Do I need tradesman insurance?

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.

How much Public Liability insurance should my tradie business have?

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.

Insurance For Self Employed Contractors

Public Liability and Portable Equipment cover

Public Liability and Portable Equipment cover
Easy and professional claims support
Pay by the month option & policy documents emailed instantly

Please select your occupation to proceed.

Who it’s for Cover types Cost How to buy

Insurance For Tradesmen Insurance For Self Employed Contractors

Top 11 tips for being successfully self-employed

Are you considering starting your own business? Are you truly ready? Before you start a self-employed venture, know it is essential to have an entrepreneurial spirit and limitless passion. You also should be willing to work alone, perhaps for longer hours than you would in a traditional 9-to-5 job.

Business Insurance Guide for the Self-Employed – Part 1

There is nothing like being your boss. The freedom, the opportunity to pursue your passion and being in control of your career path. It also comes with the responsibility of managing your finances, marketing and other key plans for success. Any solid business plan should have a focus on risk management strategies and protection for your business for the long haul.

How to manage your finances as a contractor

Choosing to become a contractor and operate as an independent contractor instead of as an employee of a business or organisation in a traditional sense generally requires that you are very good at what you do. After all, a contractor who isn’t an expert in their field and who can’t demonstrate a proven track record when interviewing for a new contract position may well struggle to find their next contract gig.

13 business ideas for self-employed carpenters

Are you considering becoming a self-employed carpenter? It may pay to choose a specialty. Selling yourself as a niche carpenter could help you find clients looking for your particular set of skills who are willing to spend more for someone with true expertise.

Independent contractors urged to review agreement fine-print

With Australians’ work preferences and priorities shifting, many Australians are reconsidering their employment arrangements and choosing to forego full-time permanent employment in favour of becoming independent contractors.

Going solo – A guide to being self-employed in Australia

Becoming a self-employed small business owner is a dream for many Aussies. The freedom of being your own boss, doing something you love every day, and the flexibility of hours are just some of the many reasons why. Through some simple planning, staying organised and setting goals, making that self-employment dream may be achievable.

What insurance do contractors and subcontractors need?

As a qualified and skilled professional in the construction industry, you may work as a contractor or subcontractor, which means it is important that you understand the insurance requirements that come with these roles.

How to price a job as a contractor

Being a self-employed contractor gives you a distinct competitive advantage. There are many things outside your control, such as the inevitable rise or decline in material costs, but you also get to be your own boss and determine your own prices and rates.

What are the common types of sole trader businesses in Australia?

The term ‘sole trader’ gets thrown around a lot in the small business world and can sometimes cause some confusion with what type of business set up it is relating to. We are here to help shed some light and details on what some of the most common types of sole trader business structures are in Australia and how they work.

Self-Employed Tradies Checklist Guide 2025

“Should I start my own business?” It’s a very common question that many Aussie tradies think about. Even apprentice tradies look forward to the day when they will run their own operation and become masters of their own destiny.

Awesome

BRETT S Smith Trades & Services
Fast easy helpful

Alfred P Trades & Services
Quick service! Best price

Joseph S Semaan Trades & Services
So easy to purchase - thanks

Jill W Wardropper Trades & Services
Awesome so easy to use no dramzzz

Mark M Mazzotta Trades & Services
Quick and easy, just the way I like it.

Adam C Gas Plumbing
So easy to set up.

Thong V Trades & Services
Very simple.

Justin H Trades & Services
Always great to deal with. Thanks BizCover.

Harold G Grinage-Casasola Trades & Services
Excellente

Milena M Trades & Services

Individual Covers

Business Insurance Pack

Business Insurance Pack

Industries we Cover

Trusted by over 270,000 AU Small Businesses

Partner

Do you have customers who could use BizCover?

Help

Official Stuff

BizGiver by BizCover

Refer a Friend Rewards

Our Price Promise

Insurance For Self Employed Contractors

Public Liability and Portable Equipment cover

Insurance For Self Employed Contractors

Public Liability and Portable Equipment cover

Insurance For Self Employed Contractors

Public Liability and Portable Equipment cover

Top 11 tips for being successfully self-employed

Business Insurance Guide for the Self-Employed – Part 1

How to manage your finances as a contractor

13 business ideas for self-employed carpenters

Independent contractors urged to review agreement fine-print

Going solo – A guide to being self-employed in Australia

What insurance do contractors and subcontractors need?

How to price a job as a contractor

What are the common types of sole trader businesses in Australia?

Self-Employed Tradies Checklist Guide 2025

Reviews related to Insurance For Tradesmen

Related Topics