Helping Tradies & Builders since 2010
We specialise in insurance for tradies and trade businesses.
For over a decade we’ve been helping tradies and builders with their insurance needs. We help thousands of electricians, carpenters, plumbers and many more.
We’re proud to be Australia’s most awarded trade insurance specialist. In 2021 we were named Best Small Broking Company by ANZIIF, as well as Brokerage of the Year by CBN. No other trade specialist comes close.
We believe that all tradies should have access to award-winning service and advice no matter how large or small their trade or building business is. We help everyone from sole traders through to large organisations.
For more information please call us on 1800 808 800 and one of our trade specialist brokers will be happy to help you through the business insurance process.
Award Winning Customer Service
“Sensational customer service. Really know the trade industry. Very experienced and knowledgeable. Gives you piece of mind. Exceptional to deal with.
Thanks Trade Risk & Demi, love your work!”
John | Concrete Cutting | NSW
Don't DIY Your Business Insurance!
It’s tempting to use websites that offer instant online quotes, but we won’t believe this is the best option for most trade businesses.
Instant online quotes = DIY insurance.
Most tradies know DIY isn’t the best option when it comes to building work, and we don’t believe it’s the best for business insurance.
At Trade Risk we have a team of genuine trade insurance specialist brokers. They understand your industry and will always give you a better outcome than DIY.
Types of Trade Insurance
As a full-service insurance brokerage we deal with insurance of all types.
Whether you just need public liability insurance to get on site, or a full business insurance package covering multiple locations and assets, we can help.
We’ve listed some of the more common trade insurance types below.
Public Liability Insurance
The most commonly required form of tradies insurance is public liability insurance.
This form of cover will protect your trades business in the event that you cause property damage or personal injury to a third party.
For many tradies, public liability insurance will be required for your licence or in order to get on site.
Personal Accident Insurance
Working in the construction industry typically involves tough, physical work.
If you suffer an injury or illness which leaves you unable to work, you could find yourself in serious financial strife.
Personal accident insurance can cover a large portion of your income whilst you’re unable to work for a period of time due to injury or (optional) illness.
Many tradies will find that personal accident insurance is a mandatory requirement on some work sites.
Tool Insurance
As a tradie, your tools are absolutely vital to your work and your ability to earn a living.
They also happen to be easily stolen and re-sold, which makes the back of tradies utes and trailers attractive targets for thieves.
Tool insurance can’t protect your tools from being stolen, but it can protect you financially by covering the cost of replacing your gear.
Contract Works Insurance
More commonly required by builders, contract works insurance protects your projects against a range of risks.
It covers your projects for material damage during construction, and can also include cover for your public liability insurance.
Contract works insurance is available as an annual policy or a single project policy.
Plant & Equipment
Whilst your portable power tools can be covered under a tool insurance policy, once you move up to more serious equipment you need more serious insurance.
Plant & machinery insurance can cover gear such as excavators, loaders, lifts, cranes, earthmovers and many more.
We can package all of your plant and equipment onto a single policy.
Property & Contents
If you’re operating your trade or building business from your own premises you’ll need to consider building and contents insurance.
The insurance can cover the building itself, along with the fit-out, contents and stock that is kept on premises.
Cover can be included for fire and other perils, along with flood and theft.
Professional Indemnity
Your public liability insurance will cover your physical work, but it may not cover all of the services you provide.
If you’re undertaking any design work, inspections, reports or consulting, you’ll need to consider professional indemnity insurance.
This type of insurance will cover you in the event that your business provides negligent advice or services to a client.
Everything Else!
There’s almost no type of business insurance that our brokers can’t assist with.
We can also help with management liability, contractual liability, cyber, directors & officers, business interruption, machinery breakdown, and pretty much anything else you can think of.
Far from being a simple ‘tradies insurance’ business, we are a full-service commercial insurance brokerage.
Certified Australian Owned
We’re certified 100% Australian owned, and like many of our clients, remain proudly family owned.
Our office is based in Brisbane, but we service tradies from all over Australia. In fact, we have clients in every state and territory!
What Makes Trade Risk #1?
Everyone says they’re number one, but at Trade Risk we genuinely believe we are the leaders in trade insurance.
Here’s why…
Dedicated to the Trades
Plenty of companies claim to specialise in tradies insurance, but typically they are just divisions of larger companies.
At Trade Risk, our sole focus is on the trades and building industry.
We’re not owned by a larger brokerage – we’re just Trade Risk!
#1 for Client Reviews
No other trade insurance brokerage has more client reviews than Trade Risk.
We have over 1,400 independently verified client reviews.
With an average rating of 4.8 stars, you know you’re in good hands.
#1 for Awards
No other trade insurance brokerage has more awards and finalist nominations than Trade Risk.
In 2021 we were named the best small insurance brokerage in Australia by the peak industry body, and we’ve received many other accolades over the years.
Real Insurance Brokers
Every Trade Risk client has their own dedicated insurance broker.
Our brokers are experienced, qualified and understand the trades.
At Trade Risk you’ll get your insurance broker’s mobile number, not call centre hold music!
We Act in Your Best Interests
Insurance companies act in their own interests, and some brokers operating under “binder agreements” act as an agent of the insurer rather than their client.
At Trade Risk we have no such agreements, which means we always act in your best interests.
#1 on the Socials
Having a big social media audience doesn’t make us a better insurance brokerage!
But we do have an amazing following of clients across our socials.
Over 20,000 tradies are part of our online communities across Facebook and Instagram.
Don't DIY Your Business Insurance!
Did we mention that we’re not big fans of DIY business insurance?
There’s a reason why thousands of tradies trust us with their business insurance, and it’s not because we’re the cheapest or the fastest – although sometimes we are!
Over many years we’ve worked out what matters most to tradies and builders with their insurance, and that’s why we’ve become the most awarded trade insurance specialists in Australia.
Award Winning Trade Insurance
Over the years we’ve won some special awards, along with a swag of nominations and finalist appearances.
We’ve listed a few of the stand-outs below.
Platinum Trusted Service Award – 2023
Awarded annually by Feefo – the world’s largest verified buyers review platform.
This award is based on consistently achieving a set number of reviews at a high average score. We’ve won this award every year from 2020 to 2023.
Specialist Brokerage of the Year – 2023
Every year from 2018 to 2023 we’ve been a finalist at the Insurance Business Awards.
Most recently we were an Excellence Awardee (finalist) in the Specialist Brokerage of the Year category.
Insurance Brokerage of the Year – 2021
ANZIIF is the peak industry body for the Australian insurance industry, and their awards program is considered to be the most prestigious.
In 2021 Trade Risk was awarded small insurance brokerage of the year, which included brokerages with total premiums of up to $20 million per year.
Corporate Authorised Brokerage of the Year – 2021
Trade Risk is a member of Community Broker Network, which is the largest authorised broker network in Australia.
We were awarded the prestigious Brokerage of the Year award in 2021, and in 2020 were named as Innovator of the Year.
Top 10 Insurance Brokerage – 2020 + 2021
Each year Insurance Business Australia puts together their list of the best insurance brokerages in the country.
Trade Risk made the list in the only two years we have entered, 2020 and 2021. In 2020 we made the top 3!
Best Customer Service – 2018
This was our first big win at the Insurance Business Awards, and will always be a special one.
We’d always prided ourselves on the exceptional service we provided to tradies, and to be recognised as the best in the insurance industry was an amazing achievement.
