Insurance for
Tradies
Tradies across Australia face daily risks while working on sites, handling tools, driving vehicles and meeting compliance obligations. From plumbers and electricians to carpenters and painters, unexpected incidents can quickly lead to financial or reputational impacts. At Insuregroup, we support tradespeople of all sizes in reviewing tradie insurance that reflects their trade, projects and operational needs.
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What is Insurance for Tradies?
Tradie insurance is a category of cover intended to help tradespeople manage a variety of risks that can arise in day-to-day business activities, whether on site, in transit or at a client’s property. These risks may include property damage, liability claims, theft, accidents or business interruption.
Depending on the insurer and policy selected, tradie insurance packages may combine different protections such as tradie public liability insurance, tradie tool insurance or commercial vehicle cover, providing flexibility for tradespeople with varying business structures and requirements.
Who Should Consider Insurance for Tradies?
If you operate as a licensed tradesperson, subcontractor or run a trade business, insurance is often considered. Many contracts and worksites require evidence of tradie public liability insurance before work can begin. Tradie tool insurance may also be valuable where expensive equipment is carried between jobs or stored in vehicles.
Even when not mandatory, having tradie insurance in place may help manage financial impacts from an incident, such as theft of tools, property damage or injury to others.
Why Insuregroup?
Flexible payment options may be available to help manage cashflow while maintaining cover.
EXPERT ADVICE
Our experienced brokers understand trade industry insurance requirements across multiple trades and business types.
QUICK QUOTES
We provide easy access to tradie insurance quotes online or by phone, with no obligation to proceed.
RANGE OF OPTIONS
We work with a wide panel of Australian insurers to compare tradie insurance policies relevant to your situation.
Types of Tradie Insurance Cover
Tradie insurance is not a single policy but a collection of cover options intended to address the different risks faced by tradespeople. Depending on your trade, business size and contractual requirements, one or more of the following types of insurance may be relevant:
Tradie public liability insurance
Helps manage costs if a third party suffers injury or property damage due to your work.
Tradie tool insurance
May provide protection for tools and equipment against theft, fire or accidental damage.
Commercial vehicle or fleet insurance
Cover may be available for vans, utes and trucks used in your business.
Professional indemnity insurance
For design, consultancy or advisory work where errors or omissions may result in claims.
Workers compensation
Statutory cover for employee injury or illness at work (regulated by state legislation).
What Does Tradie Insurance Cover?
Coverage varies between insurers and policy types, but may include:
Public liability claims for injury or property damage caused to third parties
Theft, loss or accidental damage to tools and equipment
Legal defence costs for covered liability claims
Vehicle accidents, repairs and replacements for work utes, vans or trucks
Business interruption caused by insured events
Your level of protection depends on the policies chosen. Engaging the expertise of a tradie insurance broker can help you compare options across a wide panel of insurers in Australia.
What Does Tradie Insurance Not Cover?
Exclusions apply and differ between insurers and policy types. Common exclusions may include:
Intentional or unlawful acts
Unlicensed or unqualified trade work
Normal wear and tear of tools or vehicles
Work outside the agreed contract scope or licence
Pre-existing damage or loss before cover began
It’s important to review the Product Disclosure Statement (PDS) for full details. Our brokers can help you understand how different tradie insurance policies apply to your circumstances.
How Insuregroup Can Help
From sole operators to businesses employing multiple trades, Insuregroup works with tradies across Australia to review insurance options that may suit their line of work. We take the complexity out of comparing policies by helping you explore cover options that may be relevant for tools, vehicles, liability risks and employee obligations.
As part of the Steadfast Insurance Group, we can access a wide network of insurers and a diverse range of products. With over a decade of industry experience and a strong record of compliance, our role is to support tradespeople in understanding their choices, consolidating insurance needs in one place and arranging cover with clarity.
Online Insurance Quote
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Complete the form below to receive a quote.
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Our
Process
The Insuregroup insurance process – insurance solutions on demand.
01
Submit a Quote Request
Online or Call Us Directly
02
We Source
Competitive Quotes
03
Receive a Clear,
Detailed Quote Summary
04
Finalise
& Get Covered
Frequently Asked Questions
Can tradie insurance cover multiple risks under one policy?
Yes. Tradie insurance packages often allow you to bundle different types of cover in one policy. For example, a tradie might hold tradie public liability insurance alongside tradie tool insurance and vehicle cover within the same package. This may make managing insurance simpler, while helping ensure common trade risks are considered together under one package.
Is tradie insurance recognised if I work in different states?
Tradie insurance is generally available across Australia, but it’s important to confirm how your policy applies when working interstate. For example, tradie insurance in QLD is subject to unique rules, with workers compensation only managed by WorkCover Queensland, while other states allow private insurers.
As licensing and compliance requirements differ between states, reviewing the details helps ensure your tradie insurance applies correctly and minimises the risk of gaps in cover.
How much does tradie insurance cost?
The cost of tradie insurance depends on factors such as your trade, business size, location, type of work, number of employees, vehicles and claims history. To better understand potential costs, it is recommended to request an individual quote that reflects your specific circumstances.
Does tradie insurance cover subcontractors?
Cover for subcontractors depends on the insurer and policy chosen. In many cases, subcontractors are required to hold their own insurance, but some policies may allow them to be included under your cover. Our brokers can support you in reviewing your tradie insurance options and clarifying how subcontractors are treated under different policies.
Where can I get a quote for tradie insurance?
You can request an obligation-free tradie insurance quote online or by calling our team. We’ll ask for details such as your trade, business size, tools, vehicles and location, then compare policies from a wide panel of insurers to provide options that may be relevant to your needs.
How long does the process take?
We believe in providing our customers with excellent customer service and to guarantee you the most targeted service we strive to respond to your needs with upmost urgency. Our team can generally turn around a quote and bind a policy within 24 hours.
Can you produce certificates of insurance immediately?
Yes, we can provide electronic certificates of insurance for you in a prompt and timely manner. We do require payment prior to issuing the certificates, however.
Does Insuregroup shop around extensively?
Insuregroup has access to over 100 insurance markets available to us both nationally and internationally. We regularly scour the markets on our system to ensure that we are quoting the most cost effective and cover competitive crane insurance that the market has to offer. We understand that your needs are unique and we will deliver an insurance product that is tailored to suit you.
What if I need to know more about insurance covers?
Choosing an insurance policy is a significant investment – it is important that we deal with customers in an open and transparent way. If you feel you would like to learn more, we welcome you to give us a call on 1300 760 552 so our friendly team can answer any queries you may have.