Your tools are your livelihood. We arrange insurance for the kit you carry from job to job — power tools, hand tools, generators, compressors — against theft from the van or site, and accidental damage, not just the heavier plant a Contract Works or Plant & Machinery policy is built for.

Working in someone else’s home, building site or commercial premises means someone else’s property and people are at risk every time you’re on the tools. Public and products liability insurance responds to claims for injury or property damage — a dropped tool through a ceiling, a fitting that fails after you’ve left site — arising in the course of your work.

From a single ute to a small fleet of vans, your vehicles carry you, your crew and your tools between jobs every day. We arrange motor fleet insurance for the vehicles that keep your business moving, scaled to how many you run.

If you employ apprentices, labourers or other tradespeople, workers compensation insurance is a statutory requirement, not an option. Requirements and premiums vary by state — we help you navigate the right path for your jurisdiction and your trade.

Taking on fit-out, renovation or project-based work alongside your usual trade? Contract Works insurance responds to loss or damage to a job in progress — materials on site and work completed but not yet signed off — until the job reaches practical completion.

As your trade business grows past a sole operator — taking on staff, leasing a depot, incorporating — management liability insurance bundles protection for directors, employment practices, liability and crime exposures that can sit outside your tools and liability policies.

Trades work is governed by licensing, work health and safety, and environmental regulations that can carry fines and penalties for breaches — even unintended ones. Liability insurance can help respond to legal and penalties where insurable, plus the legal costs of defending a breach.

If your trade involves design, certification or advice as well as the physical work — a builder advising on structural changes, an electrician signing off compliance — professional indemnity insurance responds to claims that the advice itself, not just the workmanship, was negligent.

Pumps, fixed machinery, workshop gear, and other plant assets — not just portable tools — need protection against breakdown. This insurance responds to the cost of repair or replacement following mechanical or electrical breakdown, distinct from the portable tools insurance for your kit and van.

Quoting, invoicing and scheduling online, or storing customer details on a phone or laptop, brings the same data breach and ransomware exposure as any other small business. Cyber insurance responds to data breach response costs, ransomware, and the business interruption that follows an incident.

Trades working with chemicals, fuels, paints or contaminated materials — demolition, plumbing, painting, excavation — can trigger clean-up and remediation costs if something escapes site. Environmental liability insurance responds to clean-up, remediation and third-party contamination costs arising from your work.

If your trade has grown to include mobile plant — a mini excavator, a bobcat, a small crane — this insurance protects that heavier equipment against damage and breakdown, separately from the portable tools insurance for your van.

Subcontracting to builders or developers on payment terms? If a head contractor or principal becomes insolvent or defaults, trade credit insurance protects the income you’ve owed — most relevant once you’re carrying real exposure to a small number of larger contracts, rather than lots of small jobs.