Why tradies and contractors might need insurance
Tradies and contractors face a variety of risks and hazards. From stolen or damaged tools and equipment, to property damage and third-party injury onsite, getting the right insurance can help protect your business if things go wrong.
Whether you’re an electrician, landscaper, carpenter, tiler or handyman, our range of covers are designed to protect your business from unexpected costs.
Save up to 10%2,3 on your first year's premium when you buy a new Business Insurance Pack policy online.
Covers for tradies and contractors
As a tradie, your job centres around your tools and your vehicle – which is why you might want to consider insuring them. We offer a range of covers5 in our Business Insurance Pack in one simple-to-manage, flexible policy to protect your business. Here’s a small selection of what tradies might consider.
Start with Public Liability, then you can choose additional covers to suit your business.
Public Liability Insurance
Whether you’re on the job, or dealing with clients and suppliers, there’s always a risk that accidents may happen in connection to your work, such as a customer tripping over your tools and cables and getting injured.
Our Public Liability Insurance, also known as Public and Products Liability Insurance, covers you if a member of the public is injured, or their property is damaged, at your business premises or while using your products or services. It covers compensation you’re legally liable to pay plus your reasonable legal fees.
In many cases, tradies are contractually required to have public liability insurance before being allowed onsite. It’s also a legal requirement in some states, so it’s important to consider your own business obligations.
Public Liability Insurance is automatically included with every Business Insurance Pack when quoted online. For a quote without Public Liability cover, contact our specialist Business team on.
Commercial Vehicle Insurance4
As a tradie, your car, van or ute is likely to be one of the most expensive things you use in your business, so it’s important to protect it. Our Comprehensive Commercial Vehicle insurance can protect your vehicle in the event of accidental damage or theft, and cover your legal liability for damage to third-party property caused by your vehicle.
Choose from three types of cover: Comprehensive, Fire and Theft or Third Party Property Damage only.
Helpful tip: Do you use your personal vehicle for business purposes? Your personal car insurance may not cover you if a loss occurs while using your car in connection with your business, such as driving to sites or client meetings to conduct your work. Check your personal car policy to see if you’re covered.
Your drills, saws, tile cutters, tools and equipment are essential to your job. If any of these are stolen or accidentally damaged, this could leave you out of pocket or unable to operate.
Our General Property Insurance covers the cost of repairing or replacing your tools and portable equipment if they’re accidentally damaged or stolen from a secure location, anywhere in the world (unless otherwise noted on your policy schedule).
This includes equipment damaged while at a client’s home, a worksite, from your home or commercial building, or even those taken home by your employees.
Before you buy
If your business has employees, workers compensation insurance is mandatory in all Australian states and territories. Our Workers Compensation Insurance can cover your employees if they’re involved in a workplace accident. We’ll work to support your business through the claims management process.
Note: Workers Compensation Insurance isn’t available under the Business Insurance Pack and will need to be bought as an additional policy.
Why choose us?
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Pay monthly at no extra charge1
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Frequently asked questions
The cost of our tradie insurance depends on a number of factors, including the type of covers you select, the amount of cover you select (the Sum Insured and/or Limit of Indemnity), and your business activity and trade.
If you’re working as a contractor, you may be required to have a minimum amount of public liability cover – make sure to check before you buy. Start an online quote now or call our dedicated Business team on for more information.
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- Pay by the month (Payment instalments)
Premiums payable by instalments may be subject to minor adjustments (upwards and downwards) due to rounding and financial institution transaction fees may apply.
- Online discount terms and conditions
A premium discount of up to 10% is applied to your first year's premium when you buy a new Business Insurance Pack policy online.
Please note that the online discount doesn’t apply to Commercial Vehicle cover, Goods In Transit cover or the following Management Liability covers: Directors and Officers Insurance, Employment Practices Liability, or Crime Insurance (which are only available from our contact centre).
This discount isn’t applied at renewal.
- Minimum premiums may apply
Any discount and/or entitlements may be subject to rounding and only apply to the extent that any minimum premium isn’t reached.
If you’re eligible for more than one discount, we apply them in a predetermined order. This means the effect of applying any subsequent discount will be applied to the reduced premium amount after applying any prior discounts. For example, the aggregate effect of applying two discounts consecutively means that you won’t see the full benefit of both these discounts.
Discounts don’t apply to taxes or government charges. No discounts are applied to Commercial Vehicle cover.
- Commercial Vehicle Insurance
Commercial Vehicle cover is only available to buy under the Business Insurance Pack if you also buy Public and Products Liability Insurance or Commercial Property under the same policy. If you don’t require Public and Products Liability Insurance, we offer a standalone policy that you can consider instead.
- Range of covers
Acceptance criteria apply to each cover based on the characteristics of your business and the risks you’re looking to insure.
Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision about this insurance, please consider the relevant for this insurance are available on this website.(if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and
Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 is the insurer of any general insurance products offered on this website.
Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFS Licence No. 296559 is the insurer of any life insurance products offered on this website.