Three quick and easy steps to getting your insurance sorted today.
Why choose Marsh for your tradie insurance solution?
The type of insurance you need depends on the type of work you do but some of the most important ones for tradies and self-employed contractors include:
If you provide advice or design services to your clients, we strongly recommend you consider professional indemnity insurance.
Professional indemnity insurance can cover your business for allegations of negligence involving a breach of professional duty. This is typically excluded under public liability insurance.
Some insurers will offer you only ‘defined events’ cover, which covers you for only those things you must specify, such as fire or collision damage. There’s often also an exclusion if your tools are stolen from a working site, unless they are locked away on that site.
This cover can offer you full damage, full replacement Australia-wide cover, including water damage and an option for theft in open air cover. So, if you leave your tools on a working site and they are stolen, you’re covered.
Insurance is a construction industry standard expectation, and you may need to show a Certificate of Currency for insurances such as public liability, contract works or commercial motor before starting work.
Marsh can help with your insurance needs whatever the size of your business. Our broker service team will be happy to help find an insurance solution for you.
For many tradies public liability insurance is an industry requirement, whether you’re working in a private home or on a construction site. This insures you against damage to other people or property.
Tradies may also want to consider tools and equipment insurance and/or personal accident and sickness insurance to protect your equipment and yourself.
The cost of your cover depends on a variety of factors: the amount and type of cover you need, the size of your business and the type of work you do. The fastest way to find out how much it might cost is to get an online quote.
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.
The Personal Accident and Sickness covers are arranged by AFA Pty Ltd (ABN 83 067 084 333, AFSL 247122). The General and Products Liability and General Property covers are underwritten by Zurich Australian Insurance Ltd (ABN 13 000 296 640, AFSL 232507).
*Interest and additional fees may be applicable.
LCPA 25/072
