Trades Insurance in Australia: What Every Tradie Needs to Know
When you’re on the tools, the last thing you want to worry about is what happens if something goes wrong. Whether you’re a plumber, sparky, chippy, or landscaper, trades insurance in Australia is a must-have.
Let’s break down what it covers, why it matters, and how to get the right protection without wasting time or money.
What Is Trades Insurance?
Trades insurance refers to a bundle of insurance products designed specifically for tradies. It typically includes:
Public Liability Insurance – covers you if someone is injured or property is damaged due to your work.
Tools Insurance – protects your gear if it’s stolen or damaged.
Contract Works Insurance – covers building works and materials on-site.
For more detail on these insurance types, the Australian Government’s business site offers a good overview of business risks.
Why Do Tradies Need Insurance?
Jobsites are risky. From power tool mishaps to ladder falls and accidental property damage, things can (and do) go wrong.
Having insurance:
✅ Meets legal and contract requirements
✅ Protects your business assets
✅ Covers you from massive out-of-pocket costs
✅ Keeps your reputation solid
If you work as a subcontractor, your principal contractor may still expect you to carry your own insurance.
Who Needs It?
If you’re working in any of these trades, insurance isn’t optional—it’s essential:
Electricians
Plumbers
Carpenters
Builders
Painters
Landscapers
Handymen
Roofers
How Much Does Trades Insurance Cost in Australia?
The cost of trades insurance depends on several factors:
Your trade
Business size (your annual turnover)
Number of staff on the tools
Annual payments to subcontractors
Your sums insured (how much coverage you’re actually applying for)
On average:
Public Liability Insurance: starting from around $380/year, depending on your trade and cover amount
Tools Insurance: varies widely based on your sums insured, so it’s best to get a tailored quote
💡 Tip: Bundle your policies to save and simplify renewals.
How to Get Covered Fast
At ProTrades Insurance, we make it simple:
Tell us what you do
We find the best cover for your trade
You get a tailored policy without the headache
No call centres. No confusing jargon. Just straight-up advice from people who get tradies.
If you’re a tradie in Australia and don’t have insurance, you’re rolling the dice every day. Protect your work, your tools, and your income with the right cover.
Ready to get sorted?
Contact us now or call 1300 118 637 for a free quote—no pressure, no BS.
Q: What is trades insurance?
A: Trades insurance is a bundle of insurance policies designed for tradies. It usually includes public liability, tools insurance, income protection, and contract works cover.
Q: Do all tradies need insurance in Australia?
A: Yes. Whether you’re a sole trader, contractor, or business owner, insurance protects you from financial risk on the job site and is often required by clients.
Q: How much does trades insurance cost in Australia?
A: It depends on your trade, business size, and coverage level. Public liability alone ranges from $380 to $1500 per year.
Q: What does public liability insurance cover?
A: Public liability insurance covers legal costs and compensation if someone is injured or their property is damaged due to your work.