Trades Insurance Made Easy
Protect your trade, tools, and livelihood with Coverscope. Tailored Insurance for Aussie Tradies.
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Protect Your Business with Tradie Insurance
As a tradie, your worksite has potential risks, from property damage to personal injury. Whether you’re a carpenter, electrician, plumber, or painter, getting the right insurance is essential to keep your livelihood safe. At Coverscope, we understand that each trade has its unique challenges, and that’s why we offer tailored tradie insurance packages designed to cover you when the unexpected happens.
What Does Tradie Insurance Cover?
Our Tradie Insurance Packages can be customised to suit your specific needs. Common covers include:
- Public Liability Insurance: Essential for protecting your business if someone is injured or their property is damaged due to your work. Most work sites require tradies to have public liability cover before commencing any job.
- Tools & Equipment Insurance: Your tools are the lifeblood of your trade. If they’re stolen or damaged, this cover helps with the cost of repair or replacement, ensuring you can keep working without disruption.
- Commercial Vehicle Insurance: Whether you use a ute, van, or trailer, insuring your vehicle against accidents, theft, or damage is crucial. This cover also extends to specialised work vehicles.
- Contract Works Insurance: Particularly important for trades involved in construction or renovation projects, Contract Works Insurance covers the physical work you do on a project. It protects against damage from fire, theft, vandalism, or other incidents during the construction period. It can also cover materials on-site, giving you peace of mind that your work and investment are safe.
Why Do You Need Tradie Insurance?
Running your own trade business comes with risks. From damage to expensive equipment to accidents that could result in costly lawsuits, tradies face potential setbacks every day. Tradie insurance gives you the financial protection you need to keep your business running smoothly, no matter what comes your way. Additionally, it’s often a legal requirement for some trades and clients to have public liability, contract works, and tool insurance.
Need A Quote?
Call For a Quote:
1300 900 207
Customised Packages for Every Trade
At Coverscope, we work with all kinds of trades, from builders to tilers and everything in between. We offer flexible payment options and competitive rates that fit your cash flow needs, helping to relieve the stress of protecting your business.
Customised Packages for Every Trade
Why Choose Coverscope?
- Tailored Policies: We know that no two tradies are the same, and we offer fully customisable packages to match your trade and specific business needs.
- Affordable Pricing: We find the best deals across Australia, ensuring you’re covered without overpaying.
- Easy Online Quotes: Get a fast, no-hassle quote through our online system or speak to one of our specialists for personalised advice.
- Australian Owned and Operated: Proudly supporting local tradies with expert service from brokers who understand the trade industry.
What Is Trade Insurance?
Trades insurance is a specialised business insurance designed to cover tradies’ unique risks. Depending on your specific needs, it can include Public Liability, Tools & Equipment Insurance, Contract Works, and more. This helps protect your business from property damage, theft, and injury claims
Why do I Need Public Liability Insurance?
Public Liability Insurance protects you if a third party is injured or their property is damaged due to your work. It’s often required by law or by clients before starting a project, especially on job sites.
Does Tradies Insurance Cover My Tools?
Yes, tools and equipment insurance can be included to protect against loss, damage, or theft of your tools. Given how essential your tools are to your trade, this cover is recommended.
Are Subcontractors Covered Under My Trades Insurance?
No, subcontractors generally need to have their own insurance. However, employees may be covered, depending on the policy. You can discuss the specific terms of your needed coverage with our experts.
What usually isn’t covered?
Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer.
Public & Products Liability Policies generally won’t include cover for:
Cost of rectifying faulty workmanship
Damage to your own product
Claims by employees
Claims arising out of the use of a registered motor vehicle
Claims related to asbestos
Case Study
Clive was expanding his business, taking on larger commercial projects. However, his existing insurance wasn’t covering the new risks he faced, such as increased public liability concerns and the need for contract works insurance.
Clive reached out to Coverscope for a comprehensive review of his insurance needs. We tailored a package that included Public Liability Insurance to cover potential accidents on-site, Tools & Equipment Insurance to protect his valuable gear, and Contract Works Insurance for larger projects.