Tradie Insurance Australia

  • Public Liability and Portable Equipment cover
  • Trusted by over 220,000 small businesses
  • Pay by the month option & policy documents emailed instantly

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Insurance for Tradesmen

... , 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 ...

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Sole Trader Insurance

... Sole Traders Need? A sole trader can work in any occupation, from accountants and electricians to real estate agents and yoga teachers! As you can imagine, the insurance needs of a tradie will probably be different than ...

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6 ways to save money on tradie insurance

... it comes to your sole trader insurance? Although you might be looking to save some money, sometimes the cheapest insurance option might not offer the right protection. Whether you're a tradie taking out new policies or ...

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The tradie's guide to getting paid on time

... only can such instances slow you down, as a tradie and a sole trader , not getting paid on time can also mean you ... BizCover is your tradie insurance *. Our tradie insurance is business insurance carefully designed to ...

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How to become a good and qualified tradie

... to risk through business insurance for tradesmen . Tradies insurance can provide: Protection ... At BizCover we help tradie small business owners compare competitive trade business insurance quotes from leading insurers ...

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Tools of Trade Insurance – The definitive guide

... their tools, and if you're a subbie or a self-employed tradesman that means that you can't earn an income for yourself and your family. Without trade tools insurance, you may need to dig into your own personal savings to ...

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9 Great Reasons to Become a Certified Tradie

... paid even more handsomely. What is a tradie? A tradie's job is tough and is one of the ... insurance for tradesmen (commonly referred to as trades insurance ) is business insurance designed to reduce the impact on your trade ...

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How to get a NSW trade licence

... gain the licence you'll need to practice your chosen trade. If you're a practical problem solver, mechanically minded ... quick and pain-free insurance solutions online. Get a quote for your tradie insurance today or call us ...

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5 ways to get more work for your trade business

... * may help you secure more work for your trade business. At BizCover we help tradie small business owners compare competitive trade business insurance quotes from leading insurers online fast, enabling you to get ...

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7 Common Types of Small Business Insurance

... there are no two businesses that are exactly the same. Your insurance needs will vary depending on a variety of factors, such as, the industry you operate in, your trade, and the type of business you run. It will also be ...

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Business Insurance Perth

... to items of portable equipment associated with your business. These can include tools of trade and items of stock. How much does business insurance cost in Western Australia? There isn't a one price fits all when it ...

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Why Aussie tradies may need business insurance

... not going to happen to you, right? You know your trade like the back of your hand and accidents are for amateurs. ... get compare quotes from a whole toolbox of tradie insurance options. *This information is general only and ...

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Insurance for Concrete Pumping

... a worksite, and another tradie trips over it, injuring themselves*. Without Public Liability insurance, you could be on the ... protects their tools of the trade. As part of your Business Insurance Package , you may select ...

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How much does Public Liability Insurance Cost?

... of the Australian Consumer Law. How much do Tradesmen pay for Public Liability Insurance? There are many different types of occupations that operate within the Trades & Services industry, each with a different level ...

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Insurance for Fencing Contractors

... liable for their medical bills and more if the tradie decides to make a claim against you. However, ... back on your feet. What does fence contractor insurance cover? Insurance for fencing contractors can help you manage many ...

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Public Liability Insurance WA

... Events occurring before or after the policy period How much do Trades & Service pay for Public Liability Insurance in WA? On average, a small business operating in the Trades & Service industry in WA pa id around  $70.82 ...

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Why do landscape designers need insurance?

... sites and meet with clients at your office, their office, or out in public. Here are four types of business insurance that your business can invest in to reduce your exposure to on-the-job risks. Public Liability As a ...

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Business Insurance on the Central Coast

... is one of the most popular types of insurance for businesses. In fact, it is arguably important for almost every kind of business, from those that operate in the trades and service industries, to businesses that are ...

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Reviews related to Tradie Insurance Australia

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    Trades & Services

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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.