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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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    "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"
    | Tradesman Insurance |
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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."
    | Tradesman 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."
    | Tradesman Insurance |
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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."
    | Tradesman Insurance |
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    "Just being bombarded with emails, driving me nuts."
    | Tradesman Insurance |
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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."
    | Tradesman Insurance |
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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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