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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.

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    "Good product knowledge, quick service"
    Michael English | Tradesman Insurance |
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    "Very helpful"
    Rodney Bruce Russell | Trade Insurance - Renewal | Belmont4153
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    "I have been with Trade Risk for three years now, I have always found them to be nothing but professional. Running a business is hard enough so when it comes time to look at insurance renewal you can trust the team at Trade Risk to look after you. Cheers Joe Khoury J.C.K Construction Group Pty Ltd"
    J.C.K Construction Group Pty Ltd | Trade Insurance - Renewal |
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    "Seamless transaction.. Yes would highly recomend"
    Brian Arthur Chedgey | Trade Insurance - Renewal |
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    "Fantastic customer service and great price."
    | Trade Insurance - Renewal |
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    "GOOD TO DEAL WITH ON THE PHONE , GOT THINGS MOVING QUICKLY.."
    GA & YB Pawson | Trade Insurance - Renewal | EMERALD 3782
    star fullstar fullstar fullstar fullstar full
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    "Always great to deal with no delays they are communicative and easy to follow I definitely recommend them."
    John Patrick Gilbert | Trade Insurance - Renewal |
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    "Insurance renewed quickly very easily"
    M.C Dandridge And L.M Hamilton | Trade Insurance - Renewal |
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    "Got back to me straight away, Great communication, Treated me like i was their only client."
    | Tradesman Insurance |
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    "Really great, fast and responsive in all aspects of business"
    | Trade Insurance - Renewal |
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    "really good fast and got what we wanted in the policy happy with the service hopefullywe never have to use it thanks for everything"
    Ian And Finn Murphy | Tradesman Insurance | mt cotton
    star fullstar fullstar fullstar fullstar full
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    "Easy straight forward and great communication"
    Pod Productions Pty Ltd | Tradesman Insurance |
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    "Prompt response and fair price for my needs Would certainly recommend"
    | Tradesman Insurance |
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    "Doubled my insurance premium for no reason, now I can't get insurance certificate. ***!"
    | Trade Insurance - Renewal |
    star fullstar fullstar fullstar fullstar full
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    "Great Sevice!"
    | Tradesman Insurance |
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    "Jeremy is going the extra mile to make sure you are happy answering very quickly nice to talk to him on the phone"
    | Trade Insurance - Renewal |
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    "Fair priced insurance, sign up process was easy & understandable, had good reviews from other customers and so far my experience from dealing with their customer service they are very friendly which is a breath of fresh air and understandable."
    Frank Youhan | Tradesman Insurance | Melbourne
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    "Good service...they are organised"
    | Trade Insurance - Renewal |
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