Public Liability Insurance
Public Liability Insurance is the foundation of most trade businesses. It covers you if your work causes injury to a third party or damages property — which can happen faster than you think on-site.
Example: You accidentally drop a hammer off scaffolding and crack a client’s tiled floor.
Covers:
Injury to a third party
Damage to property
Legal costs
Who needs it?
Everyone — from sole traders to subcontractors to registered business owners.
Why it’s essential:
Many building sites and contractors won’t let you start work without it. It also protects your reputation and financial future.
Tools & Equipment Insurance
Your tools are your income. Tools Insurance covers the cost of theft, accidental damage, or vandalism of your equipment — whether it’s on-site, in your ute, or in storage.
Example: Your van is broken into overnight, and $8,000 worth of tools are stolen.
Covers:
Power tools
Hand tools
Mobile plant and equipment
Theft from locked vehicles
Pro tip: Keep receipts or take photos of your tools for faster claims.
Contract Works Insurance
If you’re involved in building or renovation projects, Contract Works Insurance protects the work-in-progress, materials, and even temporary structures on-site.
Example: A storm causes damage to a partially completed building.
Covers:
Damage to work under construction
Materials on-site
Vandalism and weather-related loss
Best for: Builders, carpenters, tilers, and tradies managing projects or hired for specific contract jobs.
Commercial Vehicle Insurance
If you rely on your ute or van to transport tools and materials, you’ll want a dedicated Commercial Vehicle policy.
Covers:
Vehicle damage
Theft
Liability for accidents involving your vehicle
Tip: Make sure the policy includes business use — standard car insurance often doesn’t.
Other Policies to Consider
Workers Compensation – If you employ staff
Business Pack Insurance – Bundles property, liability, and more
Cyber Insurance – For tradies who take payments or store client data digitally