Painters Plank

If you’re going to take out insurance, it makes sense to go with a package.

Trade Risk are the experts when it comes to putting together insurance packages for tradies.

Whether you just need public liability and tools, or a whole range of other policies, we can put it together for you.

For more information give our team a call on 1800 808 800, or read on for more information.

What policies can go in the pack?

We can bundle up virtually any type of general insurance into a tradie pack for you.

Being a pack doesn’t necessarily mean that all of your insurance types are going to be in a single policy.

It more so means that we take a variety of different policies and manage the pack for you via a single point of contact, which is Trade Risk.

Some of the common policies that we package up for our tradie clients include the following:

  • Public liability
  • Tool insurance
  • Vehicle insurance
  • Trailer insurance
  • Property insurance

There are plenty more of course, but these policies are typical of the tradies we deal with.

One common type of tradies insurance that cannot be included in the package is income protection insurance.

This is because proper income protection can only be sold via financial advisers using a life insurance company rather than a general insurance company.

Some brokers will claim that they can include income protection in a package, but it will actually be an inferior type of cover commonly known as accident and illness insurance.

Mix and match

Going with a package doesn’t mean that all of your insurance policies have to be with the same insurer.

This is an important point, as the best deal for your public liability might not be from the same insurance company as the best deal for your tool insurance.

This is one of the great benefits of using Trade Risk, because we can package up polices from multiple insurers to ensure you’re getting a great deal.

Monthly payments

One of the major benefits of packaging up your insurance with a single broker is the ability to combine your monthly payments.

For example we may setup three different types of policies with three different insurance companies, but we can still arrange a single monthly payment.

Without using a single broker like Trade Risk you wouldn’t be able to do this, and would instead have three separate payments being deducted each month.

Even if you add another policy to your package midway through the year, we can still add it into your single monthly payment.

Benefits of a tradie insurance pack

Here’s what we see as the main benefits of packaging up your insurance with Trade Risk:

  • A single point of contact for all enquiries
  • Combine all of your policies into a single monthly payment
  • No need to deal with multiple companies when making changes to your insurance
  • And in many cases by packaging up multiple policies we will be able to save you money!

Ultimately we see the main benefit being that you can trust a single insurance broker – Trade Risk – to be taking care of your insurance needs.

Frequently asked questions

Will I have a single policy number?

Each separate policy will have a separate policy number.  The exception is if we bundle two or more insurance types in a single policy (for example combined public liability and tools).

Can I include income protection in the pack?

If we’re talking proper income protection, the answer is no.  This type of insurance is taken out via a financial adviser and life insurance company.

We can still help you out with income protection via Trade Risk Life, however it will be completely separate to your other insurance types.

Can I save more by having all of my policies with a single insurance company?

Generally not.  Some insurance companies do offer a discount if you have more than one policy with them, however this doesn’t mean you’ll save overall.

For example one insurer may charge $500 for their public liability and $300 for the tool insurance, with a 10% discount for combining them.  This would give a discounted total of $720. ($800 – $80).

That sounds great, but if we can get your tools with another insurer for only $200, then you could pay a combined total of $700 ($400 + $200) which saves you another $20.

Will I have to pay multiple monthly payments if you use multiple insurance companies?

No.  The good news is that we can still combine your tradies insurance pack into one single monthly payment, no matter how many different insurance companies we use.

More information

If you like the sound of having your tradies insurance neatly packaged up, then you need to get in touch with Trade Risk.

You can all us any time on 1800 808 800 or complete our online enquiry form.

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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