It’s a fair enough question for a tradesman to ask: Why do I have to take out public liability? It is the most commonly required form of insurance on the worksite, but many tradesmen are left in the dark as to why they actually need it. In this article we will take a look atRead More

When it comes to insurance that protects tradies in the event of injury there are a few options. Some of the common terms you may come across include the following: Worker’s Compensation Work Cover Income Protection Disability Income Insurance Sickness & Accident Insurance Accident & Illness Insurance Injury & Illness Insurance Although each of theseRead More

Most tradies choose to only take out the minimum levels of insurance in order to get themselves onto the worksite. In most cases this means public liability and income protection, but there are other forms of insurance out there which are definitely worth considering. The form of insurance we’ll be looking at today is lifeRead More

Many tradesmen around Australia operate as subbies, and will therefore need subcontractors insurance. The most popular forms of insurance when becoming a subcontractor are public liability and income protection, along with a few other forms of cover such as tool insurance. There is sometimes a misconception that a subcontractor doesn’t need their own business insurance,Read More

Throughout the Tradesman Insurance website you’ll see plenty of references to the common forms of cover, but what about the less common ones? When most tradies think about insurance they are thinking of three main covers, being public liability, income protection and tool insurance. But there are a few other forms of cover which mayRead More

Most tradesmen who come to us seeking insurance quotes operate in a single trade, but each week we will get a handful of tradies working in dual occupations. Whilst it may not seem unusual for someone to have a dual occupation as a carpenter and handyman for example, some insurance companies can get a littleRead More

Car detailing may not be considered to be one of the traditional trades, but you are still providing a professional service and in some cases you may still require insurance. In this guide we’ll take a look at the risks you face as a car detailer and the types of insurance available to manage thoseRead More

We all take care in our work. Whether we’re building a house or (in our case) helping out a tradie with their insurance, we never plan on anything going wrong. But no matter how careful we are, how long we’ve been doing it for or how qualified we are, sometimes we simply stuff up andRead More

Property maintenance businesses are increasingly being required to take out handyman insurance by various groups such as real estate agents and property managers. Whilst some may see this as a pain, it’s actually a very good way for you to protect yourself and your clients. As a self-employed handyman or property maintenance business you areRead More

Pay by the month insurance for tradies One of the easiest and most common was to pay for your trade insurance is by the month. A growing number of tradesmen are choosing to pay their policies monthly, which is in part thanks to the current economic conditions we are experiencing. Why Pay Monthly? Whilst insuranceRead More

Do you currently use a broker for your trade insurance needs, or are you thinking about using one? Not all insurance brokers are the same, and unless you know what you’re looking for it can be hard to tell whether or not a particular broker is right for you and your business. Here are ourRead More

Back in May this year we published an article that compared the option of using an insurance broker with going direct to an insurance company. You can read the original article here, but our basic (and perhaps slightly biased) conclusion was that tradies are better off using a specialist trade insurance broker for their insurance.Read More

Tradesmen are often referred to as blue collar workers, and this even extends to the insurance world. Whilst most insurance companies do not have separate policies for blue and white collar workers, they certainly do class them differently when it comes to the policy options and pricing. In this guide we will cover the typesRead More

How much does handyman insurance cost? The cost of insurance for a handyman will depend on a range of different factors. In this guide we’ll take a look at those factors and try to determine how much your business insurance should cost. How Much Should You Pay? How much your insurance costs will often dependRead More

Did you know that there are some forms of trade insurance which can be paid for through your superannuation? All business owners, tradies and otherwise, are looking for ways to improve their cashflow, and placing your insurance within your super could be a option worth considering. Not all forms of cover can be placed withinRead More

This is the first in a series of case studies we will be putting together, focusing on how insurance can assist various tradespeople around Australia. Today we will be looking at a carpenter from Brisbane named Terry. About Terry Terry finished his carpentry apprenticeship a couple of years ago and stayed on with the same builderRead More

Here in Queensland there are special insurance requirements for electricians applying for an electrical contractors licence. Like most electricians around Australia there is a requirement for public liability cover, but in Qld there is an additional and unique requirement for consumer protection insurance. The requirements in order to apply for or renew an existing licenceRead More

One of the most common forms of tradesman insurance is income protection, but it can also be one of the most complex when it comes to choosing your options. At its heart income protection is a fairly simple form of insurance. If you can’t work for a period of time, the policy will replace yourRead More

There are various forms of insurance for tradies, with some being more common than others. One of the least common forms of cover is trauma insurance. It’s not just tradies who are less likely to take out trauma insurance. Overall trauma insurance is far less common than other forms of cover such as life insuranceRead More

The cost of tradesman insurance will vary based on a number of different factors. In this guide we’ll take a look at them. It’s important to know first up that tradesman insurance is not a single insurance policy. Instead it is a range of insurance covers designed to cover tradesmen for a range of differentRead More

One of the most common questions asked of an insurance broker by tradesmen is whether or not they need insurance. The answer depends on what is meant by ‘need’. Some tradies absolutely need insurance to get their contractors licence or to enter certain worksites. Other tradies may not need to have insurance by law, butRead More

Income protection is a popular form of insurance for tradies, however many tradesmen decide that they won’t bother with it. The reasons that tradies give for not taking out income protection often come back to price and the belief that they won’t ever have to claim. Here at Tradesman Insurance we always cringe when weRead More

Most tradies have plenty in common, and one of the main things is the need for a commercial vehicle. As a tradie you need your ute or van to haul your tools around and get from one job site to the next. Without your car you’d be in trouble. So what happens if your carRead More

Many tradesmen in Australia operate as subcontractors or business owners, and a large number of those are sole traders. We’ve put together a handy guide on tradesman insurance for sole traders, to help you decide what you need and how to get it. For an instant quote on public liability insurance simply click the buttonRead More

Tradies insurance encompasses a range of different covers to protect yourself, your business and your customers. Many tradies are required to hold insurance in order to work. Sometimes this is a licensing requirement, whilst in most cases it will be a requirement of the building company using your services. The range of polices which comeRead More

One of the most commonly required forms of cover for tradesmen is sickness and accident insurance. Sickness and accident insurance, also commonly known as accident and illness insurance, is designed to protect your income if you are unable to work for a period of time. Most Australian insurance companies offer this form of cover, andRead More

For anyone working in the trades and services industry, there is a possibility that you will need some form of insurance. But how do you know which one you need? Different trade workers will require different forms of insurance for different reasons. In this article we will look at some of the reasons why youRead More

Here in Australia the licensing of electrical contractors is administered by each of the individual states and territories. Each state and territory government has in place insurance requirements that electrical contractors must meet in order to apply for or renew their licence. Unfortunately some of the states have different requirements for electricians insurance, which canRead More

Most tradies will need insurance of some sort. Some will need it because it’s mandatory for them, whilst others will want it simply due to the protection it provides. One of the best sources of information and advice on insurance for tradies is via insurance brokers. But is using an insurance broker a good idea?Read More

If you’re a subcontractor or self-employed tradesman, you’ve probably been told that you need public liability insurance. Public liability is a form of insurance required by tradesmen and other business owners that covers them for any personal injury or property damage that they cause. Here in Australia, public liability insurance is mandatory for many tradesmenRead More