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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.

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    "the staff were very helpful and response was very quick I would recommend trade risk to others very friendly staff"
    Darren Titford | Tradesman Insurance |
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    "Jennifer was very timely and efficient"
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    "great service"
    The Trustee For Cousins Family Trust | Trade Insurance - Renewal |
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    "We have used Traderisk for our insurances for 6 years now they are always good to deal with."
    | Trade Insurance - Renewal |
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    "Good communication leading up to renewal and maintained good communication whilst seeking new insurers."
    | Trade Insurance - Renewal |
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    "Very good. Makes life easy."
    | Trade Insurance - Renewal |
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    "I'm happy with their service and will use them again"
    Horsman Roofing Pty Ltd | Trade Insurance - Renewal |
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    "The bill for public liability went up in a year we were only open half the time"
    Robinwood Pty Ltd | Trade Insurance - Renewal | Mornington
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    "Very fast to reply and informative of all options available"
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    "Made everything very easy and explained all well"
    David R Ambrosiussen | Trade Insurance - Renewal | Dalby
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    "Quick response, easy to understand"
    | Trade Insurance - Renewal |
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    "Easy, quick and reliable"
    Robert Brown | Tradesman Insurance |
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    "Quick and reasonable price no fuss"
    | Trade Insurance - Renewal |
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    "Jeremy Watkins on top of it, no nonsense, straight to the point, insurance sorted. Hope the same level of service, will apply, in the event of a claim."
    Trykym Pty Ltd | Trade Insurance - Renewal |
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    "Had to wait 2 days for certificate of currency and was unable to work without it. Loss of 2 potential days earnings -$1000"
    | Tradesman Insurance |
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    "Very happy with their service and price."
    Vinh Choi | Trade Insurance - Renewal |
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    "Quick and economical service.To the point and affordable"
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    "Easy no fuss support good flow up and all round great experience"
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