Tradies Tools Insurance

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

Compare quotes from our trusted insurance partners*:

Insurance for Tradesmen

... 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 ...

read more

Sole Trader Insurance

... of these liabilities, consider a Business Insurance package. Business Insurance for sole traders is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an ...

read more

Tools of Trade Insurance – The definitive guide

... the trade. And if you love your tools, then you might as well protect them with tools of trade insurance. Insurance for your tools of trade Tool insurance for tradies is considered an essential requirement for all active ...

read more

Business Insurance Perth

... -employed tradies to professional contractors and sole traders, just to name a few. Business insurance is ... time. Tool insurance (Portable Equipment): Portable Equipment insurance (also known as General Property insurance) ...

read more

Business Insurance Melbourne

... insurance. Some of the most common types of occupations which may require business insurance include: Tradies ... . Tool insurance (Portable Equipment)*: Portable Equipment insurance (also known as General Property insurance) ...

read more

A tradies guide to budgeting

... more staff, or maybe you've been eyeing off a new tool of trade that will be a game changer, whatever your goal ... process for tradies and sole traders looking to get things like their Public Liability insurance * sorted a ...

read more

Self-Employed Tradies Checklist Guide 2024

... become masters of their own destiny. Many tradies may be wondering if switching to their ... tools of trade, if they are stolen or damaged. It's also worth noting that in some cases certain types of tradie business insurance ...

read more

Why Aussie tradies may need business insurance

... accident could happen. All it takes is a misplaced tool for someone to trip over or a hammer slipping through ... it does happen to Aussie tradies like you, and it's crucial to have tradie insurance in place when it does. ...

read more

Business Insurance

... wizards, coffee shop owners, cleaners and the trusty tradies. While your day to day operations as a ... . General Property Insurance*  which covers against theft and accidental damage of equipment, such as tools, laptops and ...

read more

Business Insurance in Townsville

... needs—no paperwork, no dramas. From Tradies and Retail Shops to Healthcare Professionals and ... Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools ...

read more

Business Insurance in Geelong

... across Victoria find insurance that suits their business needs. From Tradies and Cafes to ... Insurance* Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools ...

read more

Prevent tool theft with these top tips

... are not using them are some of the key steps you can take to keep them safe. Getting your tool insurance sorted is the next step you can take to help protect your tradie business ' finances and reputation. Being caught ...

read more

6 ways to save money on tradie insurance

... out separate policies to cover the most common risks, you could save money by buying an insurance package instead. Tradies commonly take out Portable Equipment and Public Liability . They may also consider other policies ...

read more

Tips for women tradies to stay ahead in 2024

... help reduce the risks for your tradie business. While you are at it, find out what tradies who have purchased trade insurance from BizCover have to say about the experience. This information is general only and does not ...

read more

4 essential safety tips for tradies

Tradies are often exposed to high-risk scenarios so it’s critical that you take the necessary safeguards to ... sudden injury. Consider getting Personal Accident and Illness insurance * in place to be prepared for when life ...

read more

How to quote a job – Top tips for tradies

... quotes with clients, which can help turn job leads for tradies into secure work for your business. By putting the ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

read more

Public Liability Insurance Explained

... It may also provide protection for professions like tradies where physical works are been done at a ... lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for ...

read more

Top 12 most used tools for carpenters

... drill holes in walls, making it a must-have device to have on hand. 12. Business insurance What would you do if your tools were stolen? As a carpenter, it's important to safeguard your business. With BizCover, you can ...

read more

A guide to essential roofers tools and equipment

... . A laptop may be better for responding to emails and social media messages from customers. Insurance: The most important tool for roofers? A properly stocked toolbox is essential to showcasing your roofing skills, and ...

read more

Top 10 tools every small business should have

... You can also integrate it with a number of different tools. The free version allows you ask up to 10 questions ... even live your day to day life. 11. Business insurance https://www.bizcover.com.au/ In the toolkit of every ...

read more

Insurance for Carpenters

... , it could cause huge issues later on. That's where Professional Indemnity insurance * could come in handy. Portable Equipment insurance Your tools help you get the job done every day, and that's why protecting ...

read more

Insurance for Lawn Mowing Services

... business depends on, and thankfully there's an insurance to cover that. Portable equipment or general property insurance can cover specified items such as tools, business equipment or electronic items. You can choose ...

read more

Insurance for Flooring Installler

... they agree to lease their premises to you.Yes! Portable Equipment cover, an optional part of many Business Insurance Packs, covers the tools and equipment you need to get the job done. As a flooring installer, your ...

read more

8 Facts About Professional Indemnity Insurance

... -on occupations, too. Consultants , event managers, and some tradies (like electricians and carpenters ) may consider Professional Indemnity insurance to help protect themselves and their business. Professional Indemnity ...

read more

Insurance for Electricians

... get a quote .Yes! Portable Equipment * cover, which can be added to your Business Insurance Pack, covers you for loss and damage to your tools and stock due to theft, fire and other perils listed in the wording. So, if ...

read more

Insurance for Cabinet Makers

... injury, to causing damage to a client's property or even having your tools nicked- all instances which can be protected with the right business insurances in place. At BizCover, in just a few clicks or a call, we ...

read more

Insurance for Landscapers

... to items of portable equipment associated with your business.  Th is can include tools of trade and items of stock. Personal Accident and Illness Insurance* If you were to suffer an accidental injury or fall ill, what ...

read more

Earthmoving and Excavators Insurance

... to lease commercial office or warehouse space where you can run your business and store your tools and equipment. Business Insurance* A lot can go wrong when you run an excavation and earthmoving business. You might ...

read more

Insurance for Gardeners

... be necessary to lease commercial warehouse or storage space for your equipment and supplies. Business Insurance You rely on many garden tools and equipment to do your job well and safely. If they were damaged, lost or ...

read more

Insurance for Roofers

... as you help others keep a roof over their heads. Did you know? Portable Equipment* insurance can help you protect the many different tools you need to do your job and run your business—from drills and grinders to your ...

read more

Insurance for Concrete Contractors

... help them protect their business property and more. Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such ...

read more

Insurance for Fencing Contractors

... (Public Liability) Third-party property damage claims (Public Liability) Loss or damage to your tools or equipment (Business Insurance - Machinery Breakdown, Portable Equipment) Damage to your business property (Business ...

read more

Why do welders need insurance?

... holding Portable Equipment cover means that you are covered if your welding tools and equipment are lost, damaged, or stolen, which makes welding liability insurance critical. After all, a welder is only as good as their ...

read more

Insurance for Car Wash and Auto Detailers

... to items of portable equipment associated with your business. These can include tools of trade and items of stock. Personal Accident and Illness insurance* Take the time to think about how your business would function if ...

read more

Insurance for Painters

... . Even your mobile phone and laptop may be essential to your success! Portable Equipment insurance * could help you repair or replace your tools if they are lost, stolen, or damaged whilst on the job. Personal Accident & ...

read more

Insurance for Concrete Pumping

... . That's why many concrete pumping businesses choose cover that protects their tools of the trade. As part of your Business Insurance Package , you may select Machinery Breakdown and Portable Equipment covers to protect ...

read more

Insurance for Glaziers

... to bundle your Public Liability cover and other types of insurance to protect your business property and assets. Personal Accident & Illness insurance Tools, broken glass, and other sharp objects can cause serious injury ...

read more

Public Liability Insurance for Cabinet Makers

... condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What can happen if your business ...

read more

Insurance for Plumbers

... damage to items of portable equipment associated with your business. These can include tools of trade and items of stock. How much does insurance cost for plumbers? BizCover helped over 3,400 plumbers protect their small ...

read more

Insurance for Plasterers

... and compensation payable to the third party. Public Liability insurance provides peace of mind. Business Insurance: Portable Equipment Cover Insuring your expensive tools and equipment is a wise move. Portable Equipment ...

read more

Business Insurance in Bunbury

... I nsurance * for Small Businesses in Bunbury Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such ...

read more

Benefits of insurance for small businesses

... valuable possessions were lost, damaged, or stolen? Business Insurance * is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs ...

read more

When to buy insurance for your small business

... in your garage. Portable Equipment cover is an insurance option available through a Business Insurance Package that can cover specified items such as tools, business equipment or electronic items, or unspecified items ...

read more

Insurance for Victorian Plumbers

... claims which are covered by the policy. Business Insurance* Business Insurance * is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs ...

read more

Insurance for Pet Professionals

... injury or death to a dog in your care. Business Insurance Business Insurance * is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as ...

read more

Insurance for Makeup Artists

... and caboodle, you could be surprised just how quickly the costs add up. Portable Equipment insurance provides protection for your tools of the trade in the case of them being lost, damaged, or stolen. General business ...

read more

What is Business Insurance?

... buildings which you may own against fire and perils. General Property Insurance which covers against theft and accidental damage of equipment, such as tools, laptops and mobile phones whilst you are away from your office ...

read more

Insurance for Handymen

... Electrical or Plumbing Services and advise that you undertake more extensive handyman services. Business Insurance Chances are you rely on your own tools and equipment to run your business, but how would you cope if they ...

read more

7 ways to save on business insurance

... comb, looking for ways to save on everything from office supplies and tools to rent and utilities. But have you applied any savings strategies to your business insurance? It may not seem like there's any wiggle room when ...

read more

Does your lash business need salon insurance?

... of your alleged negligent business activity. Business Insurance - This is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs ...

read more

Spring Clean Your Salon’s Business Insurance

... even accidental damage), repairing or replacing your business contents, stock, tools, and commercial premises could create an expensive headache. Business Insurance can be customised, so it only includes cover that fits ...

read more

Understanding Insurance for Interior Designers

... items of portable equipment associated with your business. These can include tools of trade and items of stock. Personal Accident and Illness insurance* Your health and wellbeing are essential when you work for yourself ...

read more

Understanding Insurance for Graphic Designers

... property damage as a result of your negligent business activities. Contents Insurance* To make your design projects come to life, you need your tools of trade to help produce them. Business assets like your computer ...

read more

Home Based Business Insurance

... like your laptop, tools and equipment to perform your profession, then consider protecting your items with Portable Equipment cover. Portal Equipment insurance (also known as General Property insurance) covers you for ...

read more

Insurance for the Self Employed

... Employed Public Liability and Tool cover Pay by the month and policy documents emailed instantly Trusted by over 220,000 Australian small businesses Compare quotes from our trusted insurance partners: Many Australians ...

read more

Insurance for Tutors

... professional advice and services to your students, an insurance claim can have a devastating impact on your tutoring ... Equipment : can cover specified items such as tools, business equipment or electronic items, or ...

read more

Insurance for Personal Trainers

... be customised to include cover that fits your business needs, such as: Portable Equipment insurance* - Covers specified items such as tools, business equipment or electronic items, or unspecified items of lower value. It ...

read more

Insurance for Dog Grooming

... at different locations. Portable Equipment cover protects from loss, damage or theft of your tools of trade. Personal Accident & Illness Insurance* As careful as you may be while clipping and cutting every day, accidents ...

read more

Insurance for Civil Engineers

... Professional negligence Contractual liability Events occurring before or after the policy period Business Insurance You rely on your tools to get the job done, from specialised equipment to your laptop, can you ...

read more

Insurance for Finance & Mortgage Brokers

... are important, but so are your business assets. Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as ...

read more

Insurance for Engineers

... of your negligent business activities. Business Insurance Pack Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

read more

Business Insurance on the Gold Coast

... * for Gold Coast Small Businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm ...

read more

Business Insurance on the Central Coast

... Business I nsurance * for Central Coast businesses Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such ...

read more

Business Insurance In Wollongong

... * for Small businesses in Wollongong Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire ...

read more

Insurance for Massage & Alternative Therapies

... events related to your business activities. Business Insurance*  Business Insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event ...

read more

Reviews related to Tradies Tools Insurance

  • 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

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.