When you are working on site, you are operating around clients, other trades and their property. Public liability cover is designed to respond if someone alleges that your work has caused accidental injury or damage, and there are costs to manage. It is commonly requested by builders, principal contractors and site managers as a condition of working on their sites. Having appropriate public liability insurance in place can help protect your business and support you in meeting contract and licensing expectations.

Your tools and equipment are essential to running your trade business. If they are stolen, damaged or lost in an insured event, it can create both financial pressure and costly downtime. Tools cover is designed to help with the repair or replacement of insured items, subject to the terms and limits of the policy. By insuring the gear you rely on every day, you can reduce the impact of unexpected setbacks and stay focused on servicing your customers.

Work vehicles often carry tools, materials and sometimes staff between multiple sites each day. Commercial motor cover is intended for vehicles used primarily for business purposes and can help with certain costs if the vehicle is stolen, damaged or involved in an insured incident. Whether you operate a single ute or a small fleet, this type of cover can support you in keeping vehicles on the road and jobs on schedule when something goes wrong.

For many tradies, the ability to work is directly linked to income. If you are unable to work due to an injury or illness covered by the policy, accident and sickness insurance is designed to provide a benefit for a period of time. This can assist with ongoing household or business expenses while you recover. It may be particularly relevant where there is limited access to paid leave, or where you want an additional layer of protection alongside workers’ compensation and other arrangements.