Contractor Insurance – Cover for All Other Trades
No matter your trade, having the right equipment and materials in place is essential for any project.
A comprehensive tradesman insurance package with the right coverage is a must to protect your livelihood, assets, and equipment from the unexpected.
Tradesure’s trade insurance packages are built for the construction and trade services industry, covering everyone from independent carpenters to large-scale plumbing businesses. We take the time to understand your business, operations, and risks to find a policy that keeps you protected whenever the unexpected occurs.
Why do tradesmen need insurance?
Insurance is essential for tradesmen to protect their business, income, and reputation against unexpected risks. From accidents on-site to property damage and theft, having the right insurance coverage ensures you stay protected and financially secure, allowing you to focus on what you do best.
Key risks trade contractors and businesses face:
- Workplace injuries: Lifting heavy materials, using power tools, and working in high-risk environments increase the likelihood of injuries such as muscle strain, fractures, and permanent disablement.
- Property damage: Accidental damage to clients’ property, structures, or the worksite can lead to costly repairs and legal claims.
- Theft and vandalism: Expensive tools, machinery, and materials are common targets for theft or vandalism, especially when left on-site or in vehicles.
- Liability claims: Accidents that cause injury or property damage to a third party can result in financial strain from legal fees and compensation claims.
- Health risks: Exposure to harmful substances like dust, chemicals, or loud machinery can lead to long-term health issues and medical expenses.
- Business disruption: Unexpected events, such as equipment failure or accidents, can disrupt work, causing delays and income loss.
What types of insurance are available to tradesmen?
There are several insurance options available for those working in the construction industry. The right policies depend on the type of work you do and the scale of your projects. However, the most essential policies for a trade insurance package typically include public liability, tool and equipment insurance, trailer insurance, and personal accident cover.
These policies form the foundation of protection for your business or contract work. For example, if you or an employee accidentally cause property damage or injury to a third party, public liability insurance will cover the damage, medical costs, and any legal expenses.
The construction industry relies heavily on on-site work, materials, and equipment. Without your tools or trailer, the job halts, risking your reputation and financial stability. As a sole contractor, you lack financial protection if you’re injured and unable to work. Personal accident insurance provides coverage when the unexpected happens.
Public Liability
Public Liability is the essential policy to have in your tradie insurance package. Many clients and project sites require proof of cover before you get to work. It not only safeguards you but also ensures you meet the requirements of any potential clients and projects.
Tools insurance
Your tools and equipment are vital for delivering quality results for your clients. Losing them could cause significant financial strain. Tools and equipment insurance makes good business sense to protect you against the impacts of unforeseen events like theft or accidental damage.
Trailer insurance
Your trailer likely holds all the essential tools and materials necessary for carrying out your trade. Protecting them and your ability to transport them to your project is vital, so trailer insurance is a must-have for anyone in this industry.
Personal Accident insurance
Your tools, vehicle and trailer are an essential part of your occupation, protecting them is a no brainer. But what about you? Without you, your tools and trailer don’t bring you any income. Personal Accident insurance helps to ensure that if you’re unable to work due to an accident, you can get the support you need and keep income coming in while you recover.
Why use Tradesure?
Frequently Asked Questions
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Protect your business, tools, and reputation with the right coverage. Whether you're a builder, electrician, plumber, or any other tradesman, our expertise and industry knowledge mean we can find the right coverage to ensure you are protected, no matter what.