Trade Insurance NSW

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Insurance for Tradesmen

... 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 ...

How much does Public Liability Insurance cost for Tradesmen?

... business, for example, gas fitters usually pay more than other types of trades for obvious reasons. Business turnover and size The amount of insurance cover required Other factors that may play a part in determining the ...

Sole Trader Insurance

... your finances and putting you out of business. That's where sole trader insurance could help. Sole trader insurance—our name for business insurance policies designed for the needs of sole traders and the self-employed ...

Tools of Trade Insurance – The definitive guide

... may be stolen or misplaced; they may also be damaged due to overuse and wear and tear. And this is when trade tools insurance can save the day for tradies. Do you give names to your tools and have pep talks with them? Do ...

What insurance do contractors and subcontractors need?

... mind, let's delve into a range common business insurance questions around contractor insurance and subcontractor insurance for trade professionals in the Australian building and construction industry. Do subcontractors ...

A practical guide to understanding business insurance

... personal injury or damage to their property. This is usually covered by a Public Liability insurance policy When you take your tools of trade with you to operate on a work site or at a clients place for example ...

A sole traders and freelancers guide to business insurance

... . In our guide we share the basics on some of the different types of business insurances and how they can protect your sole trader or freelance business, without the jargon and boring bits! Let's start with one of ...

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 ...

How to improve cash flow and increase profit margins in your trade business

... that can help reduce the risks for your tradie business. If you would like help with your trade insurance, give us a bell on 1300 920 874 and speak with our friendly team. This information is general only and does ...

Top 8 in-demand trade jobs in Australia that pay well

... that can help reduce the risks for your business. If you would like to discuss your trade insurance with BizCover, give us a call on 1300 920 874 and speak with our friendly team. *This information is general only ...

How to find good tradespeople for your trade business

... * with BizCover. We make it quick and easy to compare prices and purchase business insurance online. Get your trade insurance quotes sorted quickly and without fuss online or by calling us on us on 1300 920 864 . ...

13 easy marketing tips to grow your trade business

... * for tradies is with BizCover At BizCover, we remove the pain from purchasing trade insurance by making it fast (10 minutes), free of paperwork (there is none), and easy for tradies to compare quotes from leading ...

Why some tradies should consider Professional Indemnity insurance

... probably know your stuff when it comes to your trade. And sometimes, your client's may seek out ... pose a risk to your business. Luckily, Professional Indemnity insurance is designed to protect you from these risks so you ...

Insurance for Fencing Contractors

... get back on your feet. What does fence contractor insurance cover? Insurance for fencing contractors can help you manage many risks ... to help protect your tools of the trade. Electronic Equipment cover is also available to ...

How much does Public Liability Insurance Cost?

... speaking, insurers will look at the number of employees when determining the cost of Public Liability insurance for trade and service-based businesses, whereas revenue plays a more important role when it comes to pricing ...

QLD Electricians Licence and Insurance Requirements

... your quotes and policies. Some of the things Consumer Protection insurance may provide cover for include: defects in Domestic Electrical Work any Trade Practices Liability liability arising which may arise testing of the ...

Business Insurance in Townsville

... businesses. It may be mandatory to receive a trade license, work with specific clients, or lease ... to work while you recover. Personal Accident and Illness insurance can help you keep things running at home and in ...

Earthmoving and Excavators Insurance

... Third-party bodily injury Their business premises and contents Tools of the trade Business equipment Keep reading to learn more about the insurance options available for earthmovers and excavators and how to quickly and ...

Sole trader insurance myths, debunked

... uncover the truths that will empower you to confidently protect your business. Myth 1 – Sole traders are too small for business insurance As a sole trader, you might think, “I’m just one person, do I really need business ...

6 ways to save money on tradie insurance

... But do you do the same when 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 ...

7 ways to save on business insurance

... .)? Do you rely on special equipment or tools of the trade to do your job? How long could you continue to pay ... your business could mean that changes to your business insurance are in order! Some changes might even result ...

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 ...

Business Insurance Guide for the Self-Employed – Part 4

... recover following his injury. His Personal Accident and Illness insurance provided a weekly benefit of $1,700 a week ... situations where a cyber attack could occur: Trading via a website or online platform Communicating via ...

Insurance for Carpenters

... a subcontractor for another company, or to work with certain clients. What types of business insurance might carpenters need? Public Liability insurance Working on a job site or in a client's home could lead to property ...

How to become a successful sole trader

... your state to ensure that you've met all the administration requirements, sole trader insurance requirements, and other essentials necessary to operate as a sole trader in your home state. To learn how to get set up as a ...

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 ...

Insurance for Electricians

... competitive prices right there on your screen.  Seriously. Frequently Asked Questions Sole trader electricians may consider several types of insurance for their small businesses. The cover you may need or want depends ...

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 ...

Business Insurance In Wollongong

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

Public Liability Insurance In Rockhampton

... . The second largest employing industry is Retail Trade, employing 10.6% of the working population ... sometimes you just want a quick idea of how much your insurance is actually going to cost.  However, it's important to ...

A guide to choosing the right trade business

... working on site with others Sort out your insurance Another thing you will need to think about once you decide with which trade you want to work in is your business insurance. Regardless if you decide to become a sparky ...

How to get a NSW trade licence

... , gain your NSW plumber licence , or pursue a more niche trade, read on to find out how to get your NSW tradie licence ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...

How to get your trade contractor licence in Queensland

... need one. You will need to obtain your trade contractor licence from QBCC if you intend to perform ... to securing your business insurance such as public liability insurance in Queensland and tradie insurance *, there will be ...

What are the benefits of a trade mark for a small business?

... six months after. You will need to pay extra fees if you renew after the due date. How to check if your trade mark is available or if you're infringing on someone else's brand You can start by using IP Australia's free ...

5 ways to get more work for your trade business

... names, as doing so will add extra credibility to your trade business. Reducing your risk with business insurance* may help you secure more work for your trade business. At BizCover we help tradie small business owners ...

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Reviews related to Trade Insurance NSW

So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

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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

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Trades & Services
Easy no fuss way to purchase insurance

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Trades & Services
Great Price on my Liability insurance

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Trades & Services
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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

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Trades & Services
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Trades & Services
very easy, well explained very recommended

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Trades & Services
Easy to complete process, good phone support, thankyou.

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Easy and effective thank you

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Trades & Services
Quick service! Best price

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Trades & Services
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Trades & Services
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Trades & Services
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Trades & Services
Efficient, professional and to the point. Not pushy and pointing out important information to consider. Thank you!

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Trades & Services
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Trades & Services
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Public Liability Insurance cost for Tradesmen

Insurance for Tradies

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.

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Why choose BizCover for your tradesmen insurance?

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We won’t bore you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English.

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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!

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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

Is business insurance compulsory for tradies?

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.

I am a sole trader, do I need Tradesman insurance?

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.

How much Public Liability insurance should my tradie business have?

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?

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Friendly, helpful service from a business insurance professional.

1300 249 268

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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.