Insurance for Tradies & Construction

Tradies Personal Accident & Income Protection

Every tradie should have Public Liability Insurance to protect their business. Insurance is without a doubt, the most important. It shields you and your company from financial liability in the case of bodily injury or property damage to a third party caused by your negligence. If a third person is injured or their property is damaged as a result of your job, public liability insurance can protect you. We understand the specific issues and ever-changing dangers that tradies, their businesses, and their employees face.

The general public (such as someone lawfully visiting your premises or worksite), your customers, their property and goods, suppliers and contractors are all examples of third parties. The costs of a prospective third-party claim against you could be devastating to your finances and business. This is why, in many industries, public liability insurance is a legal necessity and a condition for delivering services to clients.

We recognise how dealing with the pressures associated with fewer apprentices entering the market or accepting jobs at "collaborative" sites can put tradies businesses at danger. Even the most seasoned tradesperson can be subject to negligence lawsuits due to overworked contractors. Tradespeople may be exposed to damages that some public liability policies may not cover. 

We work with thousands of plumbers, electricians, plasterers, and painters to provide trades insurance that is not only tailored to the needs of trade workers, but also affordable. Designed specifically for your industry, Tradies Public Liability insurance, like all of our plans, is tailored to the needs of all tradies while also taking into account the unique problems that your trade presents. Whether you're offering a service in your office or elsewhere, our coverage can help you:

Other Types of Insurance We Cover

There are many elements to a business pack and individuals can select all or

• Business Interruption -Covers the loss or reduction of business income as a result of damage or loss caused by unforeseen events like as fire and danger.

• Commercial Motor Coverage for commercial vehicles. Comprehensive, third-party fire and theft, and third-party only are the three types of coverage available.

• Domestic Motor - Domestic motor vehicle cover. The three cover options include comprehensive, third party fire & theft or third party only.

• Money -Covers money loss or damage both during and after business hours.

• Breakdown of Machinery - Covers the cost of replacing or repairing machinery that has been damaged due to a failure.

• Breakdown of Electronic Machinery -Covers the loss or damage to a computer or electrical device due to a malfunction.

• Goods in Transit - When items are sold, bought, or used by businesses, they are covered for loss or damage while in transit.

• Fire & Peril- Physical loss or damage to property caused by incidents such as fire, storm, impact, and wilful mischief is covered under this policy.

• Glass - Covers loss or damage to internal or external glass owned or for which the insured is legally responsible for.

• Tax Audit or Probe - Covers professional fees incurred in connection with an audit, review or investigation of a business’s tax affairs.

• Landlords - Covers any damage caused by a renter in a landlord's property
.• Management Liability - Covers directors, officers, and employees' management liability against the risks and exposures of running a business.