Insurance solutions for tradies

We recommend sole traders consider taking out personal accident insurance in case they suffer a serious injury or death as the result of an accident.

Sole traders may be unable to take time off for injury, limiting their ability to maintain a stable income. Personal accident insurance covers loss of income and can provide financial cover for bills and other expenses.

Contractors with employees may need to consider arranging workers compensation insurance. This covers an employee's wages if they suffer a serious work-related injury or their compensation costs in the case of death.

Also, depending on your trade, you may also be required to consider obtaining insurance to maintain your licence. For example, Victorian plumbers are required to obtain a specific level of public liability insurance under the Victorian Building Authority to provide plumbing services. Check with your local state authority.

Yes. We can organise monthly instalments* provided you meet certain criteria. Please be aware this option is currently unavailable online.

To request monthly payments, please contact our Trades team.

We strongly recommend considering professional indemnity insurance if you provide advice or design services to your clients. 

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.

It depends.

If a subcontractor injures a third party or damages their property, they may be covered by their client’s public liability policy.

However, if a subcontractor is negligent and leaves their tools out, causing a third party to trip and injure themselves, then this claim may need to be made under the subcontractor’s policy.

As such, we strongly recommend subcontractors consider arranging their own public liability insurance to be appropriately covered.

We’ll send your certificate of currency straight to your email address after you successfully arrange public liability insurance through Marsh.

If you’re an existing customer, please contact us to request your certificate of currency, policy wording or tax invoice.

Yes. If you provide the relevant information and satisfy the underwriter’s criteria, we can provide you with a quote over the phone.

Simply call us on 1300 300 511.

Tradie insurance typically covers a wide range of risks that trades people may face in their work. What’s included can vary depending on the policy and insurer, but some typical inclusions include:

• Public liability: covers damage to someone else's property or injury to someone while you're working.
• Tools and equipment: covers the cost of repairing or replacing your tools and equipment if they're lost, stolen or damaged.
• Personal accident: covers you if you're injured and unable to work.

Some other cover options that trades businesses purchase include:

• Business interruption: covers you if you can’t run your business due to an incident such as a fire or flood.
• Commercial vehicle: covers your work vehicles, including any damage you cause to other people's property or injuries you cause to other people while driving.

It's always a good idea to carefully review your insurance policy documents and speak with your insurance broker to ensure you have the coverage you need for your specific trade and business.

The specific exclusions for any tradie insurance policy will vary depending on the policy and the insurer. However, there are some general things that many tradie insurance policies typically do not cover. These can include:

• Intentional damage
• Wear and tear
• Faulty workmanship
• Illegal activities
• Professional negligence – this would typically be covered under a professional indemnity policy.

It's always a good idea to carefully review your insurance policy documents and speak with your insurance broker to ensure you have the coverage you need for your specific trade and business.