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Roof trussesIt seems everyone haggles on the price of everything these days.

As as tradie you would’ve experienced the same no doubt.

You quote someone on a quality job, only to have someone else undercut you.

And chances are the bloke who undercut you is going to have to cut a few corners to still make a buck on the job.

I think we’d all agree that you get what you pay for.

Look at your own gear for example.  Do you drive a Great Wall ute and have a box full of the cheapest tools from Bunning?

If you’re a half-decent tradie the answer is probably not!  Instead you pay extra for a quality Hilux and decent tools to get the job done.

We work hard so we can buy nice things, right?

But unfortunately a lot of tradies don’t see insurance in the same light.  They think all policies and brokers are just the same, with the only difference being price.

This isn’t restricted to tradies of course.  The whole insurance industry is heading down this path.

Think of it this way…

If one ute was $30k and the other ute was $40k, would you automatically buy they cheaper one?

If one reciprocating saw was $50 and the other was $200, would you buy the cheaper one without asking any questions?

Of course not!

But plenty of tradies do exactly this with public liability insurance.

They’ll get one quote for $350 and another for $400, and pick the cheaper one without asking any questions.

But they saved fifty bucks right?  Sure they paid $50 less, but just like the cheap ute and tools, it doesn’t mean you’ve made the right decision.

Thankfully not all tradies (and business owners in general) see it this way, but there are plenty who do.

Recently we received this feedback from a client who cancelled their policy:

“you guys did nothing wrong i just looked for a cheaper price and found one, only by $40 but it’s still money, you guys are still one of the best around.”

Really?  You’d leave the best to save $40 a year?

We totally get that money’s money.  A dollar saved is a dollar earned.  Etcetera, etcetera.

But you need to compare apples with apples.  You could save thousands by trading in your Hilux for a Great Wall, but would you?  Money’s money right…?

So how do we at Trade Risk prove that we’re the Hilux and the cheaper competitors are the Great Wall?

That is, why you should you be willing to stick with us when they’re might be some cheaper competitors out there?

By the way, we have nothing against Great Wall utes!  We’ve never driven one.  They’re just the most well-known example of a very inexpensive ute.

Anyone can say they’re the best, but how can you actually prove it?

Tradies love us

Well for starters, we’re the trade insurance experts.  Our team only look after tradies and businesses involved in the building and construction industry.

Additionally, we only use qualified insurance brokers, not sales staff.

Of course they’re going to have more expertise than someone sitting in a call centre dealing with anyone and everyone seeking insurance.

With Trade Risk, you’ll have a dedicated account manager to look after you.  This beats having to ring a call centre every time you need to enquire about your insurance.

So where’s the proof that this is so good for tradies?

We are the only trade insurance broker to have engaged an independent ratings agency to survey our clients on their experience, and the results are impressive.

Our average rating is 4.6 stars out of 5.0, with the vast majority of clients rating us five stars.

Feefo Rating

What’s even more satisfying are the amazing things that our clients write about us.

You’d swear we wrote some of them ourselves, but because we use an independent agency to collect the reviews you can be assured they are all genuine.

You can view all of our reviews and ratings here

Winners are grinners

We’ve won multiple awards for our insurance services to tradies.

Insurance Business magazine has twice named us in their ‘Elite Broker’ list of Australia’s top 30 insurance brokers.

Elite Insurance Brokers 2015 Elite Insurance Brokers 2016

These rankings are based on a number of different criteria including the number of new clients who join us each year, and most importantly, the number of clients who stick with us year after year.

If we’re winning awards like this, we must be doing something right for the thousands of tradies who trust us with their insurance.

Quality doesn’t have to be expensive!

After reading all this you might be thinking that Trade Risk must be an expensive place to get your insurance through, but the truth is very different.

Our size has made it possible to use our buying power to get even better prices for tradies.

So in many cases, you’ll actually find that Trade Risk premiums are cheaper than most of the competition.

If anyone is offering lower premiums than us, chances are they aren’t providing the same level of service that we are.

As an example, a recent newcomer to the tradie space is offering very low premiums, but won’t give out their phone number!

What’s the use of using a broker if you’re not allowed to call them?

We could reduce our service levels and our premiums too, but then what are we?  That’s not Trade Risk.

So is the cheapest trade insurance always the best option?  Only if it’s a Trade Risk policy!

Tradies Love Trade Risk

In 2017 Trade Risk was awarded a Gold Trusted Service Award for the amazing service we offer to thousands of tradies from around Australia.

  • "real;y good"
    Tercom Pty Ltd | Tradesman Insurance |
  • "The price was on point and the service was also great."
    | Tradesman Insurance |
  • "Excellent customer service and easy payment options"
    | Tradesman Insurance |
  • "The team always helpful."
    | Tradesman Insurance |
  • "They were pleasant to deal with when I first took the policy out and I am happy with their service."
    Gary Rodney Latcham | Tradesman Insurance |
  • "Easy to use, heaps of advance notice for when insurance is expiring. Great communication."
    Ricky Gan | Tradesman Insurance |
  • "Price is great Some emails and returning my calls were non existent even after asking a second time I rang for different premiums with increased excesses, spoke to someone, received no reply, rang again and left message but was not rung back"
    Richard WIlliam Morris | Tradesman Insurance |
  • "Pretty good .. jus t let us know the insurance is goin up if ur automatic do it"
    Ben Andrew Kerkham | Tradesman Insurance |
  • "Everyone I spoke to was helpful friendly and informative. But the computer system was down so I was not able to apply online myself or pay immediately over the phone. But I cannot fault the staff who did all in their power to help make insurance simple and easy as possible. Thankyou!"
    James Cameron | Tradesman Insurance |
  • "TradeRisk just make it so easy with their online tools."
    Alister Andrew Campbell | Tradesman Insurance |
  • "Easy to renew insurance"
    | Tradesman Insurance |
  • "My renewal quote was significantly less expensive than other companies could offer. The renewal process was simple and efficient. I've (thankfully) never needed to make a claim on a policy so cannot comment of the procedure here. I hope I never have to."
    | Tradesman Insurance |
  • "Yes I would recommend them, very efficient and prompt."
    Alan Sharpe | Tradesman Insurance |
  • "Quick and easy....Good value."
    G.a Turner & T.l Turner | Tradesman Insurance |
  • "Great trade insurance A+"
    | Tradesman Insurance |
  • "Very helpful good value and friendly would recommend"
    | Tradesman Insurance |
  • "Good experience."
    KNR Services Pty Ltd | Tradesman Insurance |
  • "Excellent service and nothing was a problem and a pleasure to talk to"
    | Tradesman Insurance |
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