Skip to main content

Business

Tradie insurance solutions

Public liability insurance solutions for tradies, to help safeguard you, your tools and equipment.

Get a quote now

Get a quote and buy tradie insurance online in minutes

Three quick and easy steps to getting your insurance sorted today.

1

Tell us about your business

Use our online form to tell us about your business and select which insurance solutions you’d like.

2

Buy online

Once you have completed the quick form, you’ll get a quote. If you’re happy, you can pay online with a credit card or select monthly payment through premium funding.

3

Receive your certificate

Once you’ve paid, you’ll receive your policy documents including your certificate of currency. Then you can crack on with the job at hand, knowing you’re covered.

Get cover online

Why should you consider tradies insurance?

Tradies insurance is designed to cover common risks at work.

If something goes wrong on the worksite, your business could be exposed to claims and costly legal fees. Public liability insurance is often an industry standard. It can cover your third-party liability and property damage because of you or your businesses negligence.

What if you’re injured or suffer an illness and are unable to work? Personal accident and sickness insurance for tradies can provide a short-term weekly benefit for up to a maximum of 104 weeks designed around a limit that suits you.

Then there’s your gear that’s vital for you to do your job. Tools and equipment cover (General Property) can help you replace your tools and equipment if they are lost, stolen or damaged.

Buy tradies insurance online

Cover we can arrange online

Public liability insurance

Public liability insurance provides cover for your business up to the liability limit you choose. You can apply online for cover up to $20 million.

Personal accident and sickness insurance

Depending on the policy you choose, personal accident and sickness insurance can provide a weekly benefit, a capital benefit lump sum and business expenses coverage. 

Tools and equipment cover

If your tools are damaged, lost or stolen, it can be expensive to replace them. Tools and equipment cover can help pay for the replacement or repair of your essential equipment.

What we can cover online

selected option

Public liability insurance for tradies

Get an online quote now

What’s covered

  • Cover your third-party liability and property damage because of you or your businesses negligence.
  • Receive Certificate of currency in minutes after payment.
  • You can apply online for cover up to $20 million.

 

What may not be covered

  • Faulty workmanship 

  • Illegal activities

  • Deliberate acts or omissions

*If you have any queries, please speak with our brokers on 1300 300 511

 

Personal accident and sickness insurance for tradies

Get a quote now

What’s covered

  • Capital lump sum or weekly benefit for up to 104 weeks and up to 90% of income.

  • 24/7 protection. You’re covered at work (reduced by workers compensation) and outside of work.

  • Can include business expenses.

What’s not covered

  • Pre-existing conditions
  • Injuries sustained under the influence of alcohol or illegal substances
  • Self-inflicted, non-accidental injuries.
  • *If you have any queries, please speak with our brokers on 1300 300 511

 

Tools and equipment insurance for tradies

Get a quote now

What’s covered

  • Australia-wide accidental damage full replacement.

  • Can include theft in ‘open air’ of tools on an incomplete site.

What’s not covered

  • Intentional damage
  • Wear and tear
  • *If you have any queries, please speak with our brokers on 1300 300 511

Cover for larger tradie businesses

Marsh can help with your insurance needs whatever the size of your plumbing business, so if your business turns over more than $2M per annum, or you have more than 10 employees, our broker service team will be very happy to help.

Request a call back

Occupations and trade work covered by our online solution

See the full list of occupations on our online form. 

Get a quote now

Tradies we can cover

  • Air conditioning contractors 

  • Bricklayers 

  • Carpenters, Cabinet Makers, Joiners 

  • Carpet layers

  • Cleaners

  • Concreters 

  • Electricians

  • Glazier 

  • Handymen/women 

  • Insulation installer 

  • Landscapers

  • Locksmith 

  • Painters 

  • Plasterers 

  • Plumbers

  • Sign writers 

    •  

Trade work we can cover

  • Blind installation & repair 

  • Fencing 

  • Garage Door Installation 

  • Gardening 

  • Gutter cleaning and maintenance

  • Roof & gutter installation 

  • Solar Panel Installation 

  • Test & Tag

  • Tilers 

  • TV Antenna Installation

  • And more...

Why Marsh?

Why choose Marsh for your tradie insurance?

Easy, fast cover

Get online public liability, personal accident and sickness or tools and equipment cover in a matter of minutes.

Trusted by 130 associations

We are the endorsed insurance broker for more than 130 Australian industry groups and member associations, helping to meet the risk and insurance needs of businesses and tradies across a wide variety of industries.

Claims advocacy

Handling an insurance claim can take precious time away from running your business, at a time when you’re possibly scrambling to get things running smoothly again. We use our expertise to advocate on your behalf to the insurer where there is a dispute on coverage.

Additional cover we can arrange

Product and services

Business vehicle insurance

No doubt you’ve got a vehicle to move around jobs and carry your tools. Talk to us about your van, ute or other motor vehicle insurance. Cover for theft, damage, replacement, and more.

Learn more

Product and services

Business pack

If you have a workshop or premises you work from, we can arrange insurance for that too. Talk to us about property insurance cover for your premises. Cover for storm, fire, or malicious damage. 

Learn more

Product and services

Business interruption

If your business is interrupted by storm, fire or flood this cover is designed to assist your business to keep running.

Learn more

Frequently asked questions

Insurance comes down to your needs and wants as a business owner be it a sole trader right up to a corporation. Marsh is here to give you tools and knowledge to personalise your insurance to match your needs. 

  • Public and products liability: Cover for third party injury and property damage as a result of your negligence.
  • Personal Accident and Illness: Short term weekly benefits cover, capital lump sum payments and business expenses coverage.
  • Tools and Equipment (General Property): Australia wide coverage for tools and equipment (specified and unspecified) including accidental damage
  • Commercial Motor: Coverage for your Vans, Utes, Trucks, Excavators, Trailers etc.
  • Business package insurance: A Packaged policy cover for SME Business covering the likes of buildings, contents, stock, business interruption, theft, glass, money and more.
  • Cyber liability: Protecting your online exposures, data security risks and your legal obligations for breaches and notifications. 
  • Professional Indemnity: Covering professional advice and recommendations, this might include, inspections, report writing and design work.
  • Management liability: A suite of products designed to assist with claims related to day to day business management; these may include statutory liability (WorkSafe inquiries) , employment practices (disputes) etc. This policy will built around your business structure. 

Contact us via trades.australia@marsh.com or 1300 300 511 to tailor your policy today.

If you provide advice or design services to your clients, you may want to 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.  

The cover arranged by Marsh 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 various 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. Request a call back.

For many trades public liability insurance is an industry requirement, whether you’re working in a private home or 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 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 Broadform Liability covers are underwritten by Pacific Underwriting Corporation Pty Limited (ABN 77 091 225 535, AFSL 237270). 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 24/638