Tradespeople face a unique set of risks depending on the work they perform, the sites they visit, and any licensing or contractual obligations. The core insurances most tradies require include:
- Public Liability Insurance to protect against third-party injury or property damage
- Tools Insurance, usually provided under a General Property Insurance policy
- Plant and Equipment Insurance for larger machinery or specialist gear
- Commercial Motor Insurance for work vehicles and trailers used for business
- Building Indemnity Insurance where required for residential building work
- Workers’ Compensation Insurance if you employ staff or apprentices
- Income Protection or Personal Accident Insurance, particularly for sole traders who rely on their ability to work
Optional covers to consider
Many tradies also benefit from optional policies that protect against broader business risks:
- Management Liability Insurance for risks such as employment disputes and statutory liability
- Professional Indemnity Insurance if you provide design, certification, or advisory services
- Cyber Insurance if you store client data or rely on cloud systems and email for your operations
Specialist cover by trade and location
Certain trades have additional mandatory insurance requirements depending on the state or territory. For example:
- Plumbers in Victoria are required to hold specific plumbers’ liability insurance
- Electricians in Queensland need electrical contractor insurance to meet licensing obligations
Each trade and state can have its own licensing, proportionate liability, and workers’ compensation requirements, which makes it important to get tailored advice.
Contact us to discuss your trade, location, and scope of work so we can recommend the right combination of policies to protect you.
