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Specialist Insurance Solutions For Australian Tradies

Running a trade business in Australia means working with risk every day. Tradies Insurance Australia on trades-insurance.com.au provides general information about cover options for public liability, tools, vehicles, income and more. Whether you’re an electrician, plumber, carpenter or solo contractor, we explain your options in plain language and connect you with a licensed insurance broker from our nation-wide referral partner panel who can discuss policy options with you.

Comparison results are from participating brokers linked to our referral service. We may receive a referral fee from the parties we refer you to. We do not provide financial advice or credit assistance directly.

Insurance for Australian Tradespeople Made Straightforward

Insurance for tradespeople can feel complicated, but it doesn’t have to be. We focus on practical information and broker referrals that help you understand cover to meet site requirements, protect your gear, and support your income if you can’t work.

Explore options for Tradie Insurance, from public liability and tool insurance through to income protection and commercial vehicle cover. A licensed broker we refer you to from our panel can help you compare options and quotes from their own panel of insurers, explain what each policy does, and discuss cover options that may suit your trade, workload and budget.

Public Liability Insurance for Tradespeople

Protect against claims: Cover for accidental injury to others or damage to third-party property while you’re on the job.
Meet site requirements: Many builders, councils and commercial clients require public liability insurance before you start work.
Cover for different trades: Options for electricians, plumbers, carpenters, handymen, and other trades.
Confidence on every job: Support for self-employed tradies and growing small businesses across Australia.

Get your public liability quote

Tool Insurance for Tradies

Your tools and equipment are the backbone of your business. Tool insurance helps reduce the financial hit if they’re stolen or damaged.

Policies can cover portable tools, specialised gear and sometimes hired equipment, depending on the insurer. This can be particularly useful if you travel between sites or leave tools in vehicles or lock-ups.

Learn how tool insurance for tradies can be combined with other business insurance for tradesmen, and what limits and excesses to look out for.

Learn more about tool cover

Income Protection for Tradespeople

If an injury or illness stops you working, income protection can help keep your bills paid while you recover.

Regular payments to replace a portion of your income if you can’t work.
Options tailored for self-employed tradesperson insurance and subcontractors.
Different waiting and benefit periods so you can match cover to your savings and commitments.

Find out how to choose income protection insurance for tradies and how it can sit alongside other cover you already hold.

Commercial Vehicle & Business Package Cover

Commercial vehicle insurance: Cover for utes, vans and trucks used for your trade work.
Workshop contents and stock: Protect tools, materials and office equipment kept at home or in a workshop.
Business insurance packages: Combine key covers into one policy for easier management.

Compare business insurance options

Every trade faces different risks. A sparky in metro Melbourne won’t need exactly the same cover as a plumber on regional construction projects. Building the right Tradies Insurance Australia package starts with understanding how and where you work.

Insurance by Trade: Electricians, Plumbers & More

From Electrician Insurance Australia to Plumber Insurance Australia, different trades have different needs and obligations.

Electricians: often need higher public liability limits and specific licence-related cover requirements.
Plumbers: may need cover for water damage risks and higher material values on site.
Construction trades: carpenters, tilers, bricklayers and others may need construction insurance for tradies on large projects.

Use our resources to compare what similar tradies typically include and then request quotes from a licensed broker tailored to your situation.

Get tailored trade-specific quotes

How to Choose the Right Tradie Insurance

List your key risks: public liability, tools, vehicles, income, and any contract requirements.
Estimate replacement values for vehicles, tools, workshop contents and stock.
Compare cover options and limits, then check excesses and optional extras.

Use tools to estimate your cover needs

Stay Informed with Guides, News & Tools

Make decisions with clear, up-to-date information about Tradie Insurance and business risks.

Educational articles explaining different policy types and real-life case studies.
Updates on insurance trends, market changes and small business news for tradies.
Step-by-step guides and checklists to help you renew or review your cover each year.

Browse our latest insights on the news page, dive deeper into topics on the articles hub, or learn more about our approach on the about page.

Insurance News

IAG's Commitment to Improved Flood Response Following Parliamentary Inquiry

19 Feb 2026: Paige Estritori

Insurance Australia Group (IAG), the parent company of well-known brands such as NRMA Insurance, CGU, and WFI, has expressed its support for the recent parliamentary inquiry report examining insurers' responses to the 2022 major floods. The report, released by the House of Representatives Standing Committee on Economics, outlines 86 recommendations aimed at enhancing communication, support, and overall outcomes for customers affected by severe weather events. - read more

Australian Insurers Leverage AI for Enhanced Efficiency and Service

19 Feb 2026: Paige Estritori

In the dynamic landscape of the Australian insurance industry, companies are increasingly turning to artificial intelligence (AI) to bolster efficiency and elevate customer service. This strategic shift aims to address the multifaceted challenges posed by economic fluctuations, climate change, and evolving consumer expectations. - read more

IAG's NextGen Ambition Program: A Gateway for Aspiring Insurance Professionals

19 Feb 2026: Paige Estritori

Insurance Australia Group (IAG), a leading name in the Australian insurance sector, has unveiled the second iteration of its NextGen Ambition Program. This innovative initiative is designed to provide high school graduates with a unique opportunity to embark on a career in the insurance industry without the prerequisite of a university degree. - read more

Escalating Insurance Costs Pose Challenges for Small Builders

11 Feb 2026: Paige Estritori

Recent findings from the Housing Industry Association (HIA) reveal that a significant majority of small and medium-sized builders in Australia are grappling with the escalating costs of insurance premiums. In a comprehensive survey, 72% of respondents identified rising insurance expenses as the primary pressure point affecting their businesses. This concern surpasses other operational challenges such as planning approvals, skilled labour shortages, and compliance with building codes. - read more

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Trades Insurance Articles

Tailored Insurance Solutions: Meeting the Unique Needs of Tradespeople

Tailored insurance solutions are customised insurance plans that cater to the specific needs and circumstances of individuals and businesses. Unlike traditional, one-size-fits-all policies, tailored solutions provide flexibility and detailed coverage options that align with the unique risks and demands of various professions, including tradespeople. - read more

Understanding Commercial Vehicle Insurance: A Guide for Australian Tradespeople

Commercial vehicle insurance is a specialised type of coverage designed to protect vehicles used for business purposes. It covers a wide range of potential risks including accidents, theft, and damage, ensuring the vehicles vital to your work are adequately protected. This form of insurance is tailored specifically to mitigate the risks associated with using vehicles for trade and business, offering peace of mind to business owners. - read more

A Guide to Choosing Income Protection Insurance for Tradespeople

Income protection insurance is a vital safety net for those who earn their livelihood through skilled trades. It is designed to replace a portion of your income if you're unable to work due to illness or injury, ensuring that you can meet your financial obligations while you recover. This type of insurance provides peace of mind, knowing that even if the unexpected happens, your bills can still be paid and your lifestyle maintained. - read more

Choosing the Right Public Liability Policy: Tips for Australian Tradespeople

Public liability insurance is a type of coverage designed to protect businesses and their owners against claims that may arise from accidents or injuries that occur on their business premises or as a direct result of their business activities. For tradespeople, these policies can cover incidents such as property damage or personal injury to a customer or member of the public. - read more

Knowledgebase

Double Indemnity:
A clause or provision in a life insurance policy that doubles the payout in cases of accidental death.

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IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.