Whether you’re a carpenter, electrician, plumber or painter, the most common type of insurance for trades professionals is Public Liability Insurance.
With our insurance for tradies, you can choose a level of Public Liability Insurance that suits your business. This cover is designed to help protect your business in case certain things go wrong at work, like if you accidentally injure someone or damage a client’s property on a job.
We also offer cover options for other things that matter to your business, such as your work tools, materials, vehicles and more.
Public Liability Insurance is important to consider for all trades professionals, whether you’re self-employed or hired as a subcontractor. If you’re an employee of a construction or trades company, you can check if you’re already covered by your employer’s policy.
Public Liability Insurance is often required for self-employed tradies, subcontractors and trades businesses to take on jobs or enter worksites.
You can get a quote online to see your options and build a policy to suit your business.
Working in trades comes with a range of risks both on the job and after each job is completed. Public Liability Insurance can help protect your business operations and reputation in case certain things go wrong at work.
For example, your Public Liability Insurance can:
Here are some of the covers available when you get your Business Insurance. You can mix and match to create a policy with the covers you’re looking for.
For compensation claims if your business accidentally causes an injury or property damage and you’re found to be liable for it2.
Covers insured property like tools and devices while they’re away from your business premises, against specific events like theft from a locked vehicle2.
You can insure the vehicles or trailers used in your business, with different levels of cover available2.
Covers insured property like tools and devices while they’re away from your business premises, against specific events like theft from a locked vehicle2.
This can provide you with a weekly benefit, if you can’t do your regular work due to a covered injury or illness2.
Covers insured property like business contents and stock from loss or damage due to theft2.
For professional costs if investigated or audited by the ATO or a government revenue office about taxes payable by your business2.
Cover for loss of money or goods caused by employee fraud or dishonesty2.
For certain accidental breakages of items like your shopfront windows, glass shelving and display cabinets2
Cover for specified business cash, for loss caused by theft or accidental damage2.
Cover for certain loss (as detailed in your PDS), if your business is interrupted by specific types of damage2.
Cover for sudden and unforeseen breakdown of your specified business machinery2.
Cover for your office’s computer systems or electronic equipment, for sudden and unforeseen breakdown or damage from specified events like fire or storm2.
There are 3 ways to get a copy of your Certificate of Currency, Certificate of Insurance or tax invoice:
A Certificate of Currency is proof that you have an active policy.
A Certificate of Insurance shows what your policy covers, the amount covered and the period of cover.
When you get Public Liability Insurance, you can choose to cover your business for up to $5 million, $10 million, $15 million or $20 million. If you need more cover, call us on 132 818.
To learn more about what's covered, read the Product Disclosure Statement (PDS).
When you get insurance for your trades business, you have the option to add Portable property cover.
This covers you for loss, damage or burglary for insured property (like your tools) that you take on the road with you or use at a worksite away from your main premises.
You can choose how much you insure your tools and equipment for when you get a quote.
Below are some examples of what is and isn’t covered by our Public Liability Insurance when it comes to your direct employees.
Your Public Liability Insurance will cover employee negligence, which protects you if your employees are working and accidentally injure someone or damage property.
Public Liability Insurance won’t cover your business if your employees are the ones injured on the job, as this is covered by Workers’ Compensation Insurance instead. You’ll need to get a separate insurance policy for this.
For full details of what is and isn’t covered by our Business Insurance, read the Product Disclosure Statement (PDS).
Personal accident and illness cover provides a weekly benefit in the event of certain injuries, accidents or illnesses.
This is a summary only, for the full details of what is and is not covered, read the Product Disclosure Statement (PDS).
It depends on the type of business you have, the cover options you choose, and the excess amounts that you enter when you get your insurance.
You can find more about excesses in the Product Disclosure Statement (PDS), and in your Certificate of Insurance after you buy your policy.
The easiest way to get insurance for your trades business is to first get a quote.
When you get a quote, you’ll be able to choose your level of Public Liability Insurance cover (up to $5 million, $10 million, $15 million or $20 million) and add cover options to cover different parts of your business.
It depends on a number of factors, including the level of cover you choose, the type of business you run and how many staff you have.
The quickest way to get an estimate of how much it costs is to get a quote.
Mix and match our policy cover options and pay your premium by the month at no extra cost
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Speak to our Australian-based consultants specialised in business insurance
Contact us by phone, web chat, at a branch or via our claims helpline
Can’t find what you’re looking for? We’re here to help. Talk to us over the phone or chat to us online.
You can also ask us to contact you about a Business Insurance quote.
This is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement and Target Market Determinations available from this website.
