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Electrician

For any tradesman looking for insurance, the options available can seem almost endless.

Your insurance requirements will depend on a variety of factors including your trade, your business structure and even the states and territories that you undertake work in.

Once you know which types of insurance you need, you will then need to figure out how much cover you need in terms of dollar amounts, and then go through dozens of different policies trying to work out which ones will suit you best.

For the average tradesman who is not an insurance expert it can be a daunting task, but there is an easier way.

Using a tradesman insurance broker

Making use of the services of a qualified insurance broker is a great idea, but an even better idea is to use a broker who specialises in tradesman insurance.

Tradesmen are exposed to all sorts of risks, and many of these risks are specific to the trades and constructions industries. A qualified tradesman insurance broker knows these risks and knows which policies are going to provide you, your business and your family with the best financial protection.

Not only can a specialist trade insurance broker help you with choosing the right insurance, but they also have the knowledge and experience to find the best value policies that will provide competitive premiums to suit your budget.

What policies can an broker assist with?

Insurance brokers deal in a class of insurance known as ‘general insurance’. When it comes to tradesmen, the most common forms of general insurance are public liability insurance and tool insurance.

Insurance brokers can also assist with a form of income protection known as sickness and accident insurance, however this form of insurance is generally considered to be inferior to proper income protection insurance offered via a qualified financial adviser.

Here at Trade Risk we also have access to a network of financial advisers who specialise in tradesman insurance, and they will be able to assist with a proper income protection policy, along with other forms of insurance such as life, trauma and TPD insurance.

Choosing an insurance broker

When looking for an insurance broker it is important to choose one who specialises in dealing with tradesmen.

You will also need to ensure that each of the tradesman insurance brokers you are considering are fully qualified and licensed to provide advice and to deal in general insurance products.

Some tradesmen prefer to deal with their insurance brokers face-to-face, however an increasing number of tradies are choosing to take out their insurance via online services.

Using online insurance brokers is a very convenient option, but make sure the service is backed by qualified brokers who can be contacted by phone. Here at Trade Risk you will be given your broker’s mobile phone number and have access to them at all times.

Taking the next step

If you would like to be put in contact with a tradesman insurance broker, please complete our online quote request form or simply get in contact with us.

Here at Trade Risk we genuinely believe that we are the tradesman insurance experts. We will do everything in our power to ensure you can get the best value cover with the best possible service.

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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