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We make it fastereasier and cheaper for tradies to sort out their trade insurance.

Over 8,000 trade businesses have chosen us since 2010, and with over 700 positive reviews we’re certain you’ll be making the right choice with Trade Risk.

Whether you need standard public liability or a full business insurance pack, our multi-award-winning team can help.

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Enter your details below for an instant quote, or call our friendly team on 1800 808 800 to find out why so many tradies love dealing with us.



If your trade is not listed please click here.  Don’t select the closest option and hope for the best!

If you need something more than an instant quote on public liability insurance, click here to view our other options including income protection and other forms of business insurance.

Trade Risk Press

Trade Insurance Types

Trade InsuranceTrade insurance is a term that is thrown around a lot in the trades industry, but what does is really cover? Is there an actual type of insurance called trade insurance? What is it?

Trade insurance isn’t a type of cover itself, instead the term is used to describe a range of covers that are often used in the trades industry by all sorts of trades including carpenters, electricians, plumbers and more.

So what are the types of policies available under trade insurance, and what exactly do they cover?

Public Liability Insurance

The policy that most tradies will have heard of is public liability insurance. This insurance covers you for any damage you cause someone property, or any injury that you cause to a person.

Some public liability claims can be quite minor, for things such as $500 worth of damage caused by slipt paint or broken glass. The really serious claims often come from personal injury, where your actions result in injury to someone.

For a minor injury you may find that a payout of a few grand will settle the matter, but in cases of serious injury where the victim requires a long time off work, the payout for loss of income can be huge. If your work results in someone’s death the financial consequences can be enormous.

Thankfully public liability insurance for tradies will protect you against the big financial hits when things like this go wrong.

Tool Insurance

Another popular policy as part of a trade insurance pack is tool insurance. As the name suggests, tool insurance simply covers your tools against loss or damage.

Most tool insurance policies are fairly similar, but the cover can vary from one insurer to the next. Most policies will cover you for theft, but some policies will only cover the tools whilst they are locked up, whilst others will give the option to cover them even when they’re not locked up.

Some insurers will also cover your tools of trade for accidental damage, but others will only cover for damage caused by fire, water or in a vehicle collision. Unfortunately there are no insurers we know of that will cover your tools for damaged whilst they’re actually in use.

Income Protection

Some people also refer to income protection as Accident and Illness insurance, however there are some very important differences between the two, and the results at a time of claim can be very different between the two policies.

Basically income protection is there to protect your income when you cannot work in your trade. Your policy will have a waiting period and a benefit period, as well as a monthly benefit amount. If you cannot work, you will start to receive your monthly benefits as soon as the waiting period has ended, and you will continue to receive benefits until the benefit period ends or your are able to return to work, whichever is sooner.

Also included in a trade insurance pack can be other types of insurance such as life insurance, TPD and trauma insurance, but generally speaking the big three covers for the average tradesman are public liability, tool insurance and income protection.

Depending on the trade insurance company you use, you may be able to get a multi-policy discount by combining your public liability, tools and income protection. It is worth asking your broker or adviser about any deals they may be able to offer.

Here are Trade Risk we always aim to get the best deal for you. Sometimes the cheapest company for your public liability won’t be the same as the cheapest insurer for your income protection, so in those cases we can mix and match your cover to get the best possible deal on your trade insurance.

For more information about trade insurance and how it can help you, please give us a call or complete our online quote request.

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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    "Very quick and easy just a few questions online and it's done, looks to be good coverage as well very good communication , will be using them again next year thank you trade risk team"
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    "Supportive towards small business and very flexible"
    Logreen Pty Ltd | Tradesman Insurance |
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    "I thought that the service was good, the ladies seemed nice and they were very easy to talk to"
    Cristopher Tremellen-Smith | Tradesman Insurance |
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    "Excellent service"
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    "I have requested a refund within the cooling off period and not received an answer"
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    "No problems, it was quick and easy to arrange the insurance."
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    "excellent service and you always follow through thank you guys !"
    Entire Installations (Aust) Pty Ltd | Tradesman Insurance |
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    "Great service year in year out. Have been with Trade Risk for several years and find them the most competative in the market"
    Gerard Anthony Fox | Tradesman Insurance |
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    "Easy to use website. Quick quoting and service. Good value."
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    "Excellent customer Service and very good for a small business, very approachable and nothing is too hard. Very competitive rates"
    Fiona Lee Joyce King | Tradesman Insurance |
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    "I renewed my acc. on 15/06/2020 and my certificate shows renewal date as 22/5/2020 So you basically charged a month from me when I did not need insurance due to not working ( COVID 19)"
    Johann Godfrey Van Tonder | Tradesman Insurance |
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    "Always willing to provide assistance and information to make the process as easy and informative as possible."
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    "Very easy to deal with and prompt response every time, very thorough explanation of policy and terms."
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    "Just being bombarded with emails, driving me nuts."
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    "Easy to use and understand, their insurance is laid out in a format that the average person can quickly grasp. I needed cover fast and that’s what I got, simple."
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    "Great service"
    Scott Deem | Tradesman Insurance |
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    "My only reason for 4 stars instead of 5 is I had no contact from Trade risk when renewal was pending to offer me their service."
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    "Thanks Trade Risk for the right insurance for the right price ><))))º<"
    Clayton Wayne Earl | Tradesman Insurance |
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