Trade Risk is the insurance partner of the Australian Master Tilers Association.

Master Tilers Association

Members of the association receive a discount on our already super sharp rates.

We specialise in tilers insurance and can assist with a range of covers including public liability, tool insurance and more.

Click below for a quote, and if you’re a member of AMTA make sure you let us know.

Online Quote

PS. If you’re not already a member, click here to find out more about your industry association.

Why would a tiler need insurance?

Many tilers, especially those who don’t venture onto roofs, consider their trade and their business to be fairly safe.

For this reason some choose not to take out any insurance, thinking that it’s an unnecessary expense.

But accidents do happen, and that’s why tilers insurance is so important.

We’ll touch on some of the potential risks under each different type of insurance below.

Insurance types

There are a number of different insurance options available for tilers, but the main three are public liability, income protection and tool insurance.

Public liability

This is the most common form of insurance for tradies across the board.

It is designed to protect you in the event that your business activities result in property damage or personal injury to another person.

An example of a claim could involve your tiles falling from a roof and damaging property, or worse, a person, below.

In this event the person suffering the loss or damage would take action against you, which would then be looked after by the insurance company.


An important option included in virtually all public liability policies is known as ‘care, custody and control’.

This option covers any property that you are holding for your client, which for a tiler would most likely be tiles.

Can you imagine having a thousand dollars’ worth of tiles in the back of your ute, only to lose the lot in a vehicle collision or similar?

Depending on the specific circumstances of the incident, the care, custody and control option may cover the cost of replacing the broken or lost tiles in your care.

Public liability insurance is generally not required by workers on wages, however if you are self-employed or subcontracting it is a must.

$5 million cover is available for tilers from less than $40 per month, and is well worth it considering the protection it provides.

Income protection

Income protection is important for all tradies, but even more so for the self-employed.

If you work for your own business or as a subcontractor, you will most likely not have access to sick leave or workers compensation.

The only other way to cover your expenses whilst unable to work is via income protection.

This form of insurance can cover a tiler’s income for a period of time whilst they are unable to work due to injury or illness.

Tilers need full use of their arms and hands in order to their job properly. Given how easy it can be to fracture an arm or a wrist, working without income protection is just too much of a risk.

Tool insurance

The last of the three major types of tilers insurance is tool insurance.

This type of cover can protect your tools from a range of risks including theft from a secure location, fire and lightning damage and damage caused in a vehicle collision.

Some tilers argue that they don’t carry enough power tools to make insuring them worthwhile.

Whilst a tiler may carry a lower value of tools that a carpenter or electrician, it is still mighty painful to have all of your tools stolen.

A policy sufficient to cover a few thousand dollars’ worth of tools and equipment can be had for around $250 a year, which is a very cheap way to protect your gear.

Floor and wall, or roof tiling?

A common question we receive is whether or not there is any difference in insurance when it comes to different types of tilers.

In particular we’re talking floor/wall tilers compared with roof tilers.

Generally speaking, roof tilers are seen as a higher potential risk, however this doesn’t always mean that the insurance cost will be higher.

Tool insurance will never be different between the two types of tilers, and when it comes to public liability only some insurers charge different amounts.

Income protection can sometimes show a different premium between the two types, and this is mainly due to increased risk of fall injuries suffered by roof tilers.

Often the difference comes down to the heights you are working at.

If you are working at heights of less than 10 or 15m (depending on the insurer) you’ll be fine, but if you work of roofs higher than that you may have to pay a slightly higher premium.

The tiler’s insurance specialists

At Trade Risk we have assisted hundreds of tilers from throughout Australia with quotes and cover.

We take great pride in the service that we offer to tradesmen, and we encourage you to read through some of the reviews we have received to see just how much tradies appreciate what we do for them.

To request a quote from us please visit our online quote form. If you prefer to speak to someone you can call our office on 1800 808 800.

We are the tradies insurance specialists, and we look forward to helping you in any way we can.

Ratings and reviews

How do tilers rate Trade Risk for their insurance needs?

5.0 / 5.0

Based on 3 reviews provided by tiler clients of Trade Risk.

“Helpful and friendly service. Very competitive prices. Efficient reply to any queries.”

Brenton | SA | 9/01/2015
Rating (out of 5) ★ ★ ★ ★ ★

“I was greeted with friendly, professional and informative service from start to finish in the sign up process. Staff called back when they said they would, and followed up to make sure everything was on track.”

Douglas | NSW | 7/11/2014
Rating (out of 5) ★ ★ ★ ★ ★

“Thank you for such an easy and fast transaction. Its been a great help and will recommend you to others. Cheers again on great service – the industry needs more of it.”

Joshua | NSW | 1/06/2013
Rating (out of 5) ★ ★ ★ ★ ★

Please contact the team at Trade Risk to enjoy the same great service that other tilers are receiving.

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.

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    Matthew Chris Pinney | Tradesman Insurance |
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    Daniel Phillips | Tradesman Insurance |
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  • "I've dealt with this company for a few years now - from the very start they've always efficient and fast... they sort out the paper work that other companies leave the customer to wade through. In a nutshell they save me buckets of time... and time is money. They also save me the aggravation of the paperwork and the back-and-forth that is so common with many insurance companies.."
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