Insurance For Trades
As a tradie running your small business, you know how essential insurance is. Let us handle your business insurance needs with tailored solutions, giving you peace of mind.
What Insurance Cover do Tradespeople need?
First and foremost, tradespeople require Public Liability Insurance to protect themselves in the event their work causes property damage or injury to others. This cover ensures you have protection against claims arising from your business activities.
What Specific Coverage Can Protect Your Trade Business?
Common covers for tradies include:
- Public Liability Insurance — Protects against claims if your work causes injury or property damage. Most sites require $5-20 million coverage.
- Tools of Trade Insurance — Portable cover for tools stolen from vehicles or site boxes, protecting your equipment investment.
- Contract Works Insurance — Protects projects from storm, fire, theft, or vandalism during work.
- Personal Accident Insurance — Provides weekly income protection if injury prevents you from working.
Understanding exclusions helps prevent misunderstandings about coverage
- Poor workmanship disputes — Insurance doesn’t cover work quality disputes.
- Unlicensed work — Claims from unqualified work aren’t covered.
- Intentional or criminal acts — Deliberate damage is excluded.
How We Can Support Different Trades
Insurance for skilled trades is designed to protect against their specific risks. For example, a builder working on a residential renovation will typically hold public liability insurance and contract works cover to safeguard their work and responsibilities on the project, while an electrician needs professional indemnity and liability cover to manage the risks associated with electrical installations and potential faults.
Similarly, a plumber usually carries public liability insurance along with tools and equipment cover to protect both their work and their gear.
Whether you’re a roofer, painter, builder, or HVAC technician, we tailor coverage to your specific trade risks.
Why Adroit?
Every trade business faces unique risks. Adroit arranges insurance tailored to your business — whether basic public liability or comprehensive cover including contract works and tools insurance.
We understand the risks tradies face. We visit your site, manage claims support, and negotiate on your behalf. You get local, personal service backed by a nationwide network.
Contact an Adviser
