Motor vehicles and fleets
Third party to comprehensive motor and fleet cover.
Sole Trader Insurance without the guesswork.
Call 0418 166 122You speak with Shahid Mohammad, principal broker, 24+ years. A licensed Australian broker, not a call centre.
- 10 years advising Australians
- Steadfast network access
- Licensed Australian brokers
Compare sole trader insurance quotes from multiple Australian insurers. Insurance quotes from a licensed Australian broker with Steadfast network access.
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10 Years Advising Steadfast Network Access Licensed Australian Brokers Australia-Wide
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How Do You Get Started?
We make sole trader insurance fast and easy at Insurance Time. Get a quote today.
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Fill the quote form above, or call us on 0418 166 122.
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Why Choose Insurance Time
Protect yourself with cover arranged by a licensed Australian broker who explains it in plain English.
Professional
Our team are experienced in sole trader insurance and licensed to advise on it.
Experienced
Ten years advising Australian families and businesses, with Steadfast network access.
Renewal management
Our team will manage your renewals and keep you informed and up to date.
24/7 claims
Notify us of a claim 24/7, 365 days a year.
Cover Options
We can arrange different levels of cover for you and your business.
Public liability
Protection for third party property damage or personal injury.
Business package
Customised cover for your business assets and liabilities.
Personal insurance
Protection for you and your family.
Property
Protection for your personal and business premises and contents.
Workers compensation
Cover questions for your employees and workers.
Get A Quote. It's Complimentary.
It's time to review your sole trader insurance.
General information only. Any cover depends on the PDS, TMD, eligibility, underwriting, and policy terms. We use your details to respond to this enquiry.
24+ years of Shahid Mohammad's insurance experience
PDS/TMD terms checked before decisions
Phone first direct Shahid Mohammad contact path
Next step quote, renewal, or advice pathway
Broker proof
Talk it through with Shahid Mohammad before you decide.
A named Insurance Time broker can help turn this cover question into a practical review path. Call Shahid Mohammad directly or book if a scheduled conversation is easier.
- 24+ years of Shahid Mohammad's insurance experience behind broker-led conversations.
- PDS, TMD, eligibility, underwriting and policy terms stay central.
Sole trader review
Start with what your contracts actually ask for.
Client requirements
Many sole traders buy cover because a client, platform, or head contractor requires a certificate of currency at a set limit.
The work itself
Discuss what you do, where you do it, who you do it for, and whether you use tools, vehicles, or subcontractors.
Income exposure
With no employer sick leave behind you, how an illness or injury would affect income is a normal thing to raise.
Covers commonly discussed
The short list most single operators end up weighing.
There is no single sole trader policy. It is usually a small combination, and which parts apply depends on your trade, your contracts, and insurer appetite.
Public and product liability
Generally the cover clients ask to see, responding to third-party injury or property damage claims connected to your work, subject to policy terms.
Professional indemnity
Often raised where advice, design, or professional services are part of what you deliver. Whether it applies depends on your occupation.
Tools, equipment, and income
Tools and equipment cover, and personal accident or income protection, are frequently discussed because a single operator carries the loss personally.
Common questions
Questions worth asking before you decide.
Use the first conversation to clarify documents, timing, fees where relevant, and the policy terms that need checking before advice, quote, renewal, or claims-support steps.
Do sole traders need business insurance?
There is no blanket rule. Some covers are contractually required by clients, and some are worth weighing against how you work. What applies to you depends on your occupation, contracts, eligibility, underwriting, and the policy terms.
Can I get a certificate of currency for a client?
Yes, a certificate of currency is a normal document to request once cover is in place. If a contract specifies a limit or wording, it is worth confirming that before the policy is arranged rather than after.
Is it different from company or partnership cover?
The covers overlap, but the structure changes what is relevant. Sole traders carry business liabilities personally, which is usually why income and liability questions come up together.
Our Partners
Next action
Talk to a broker about this cover question.
Call Shahid Mohammad, book a short review, or use the contact page about sole trader insurance questions. General information only; your options depend on the PDS, TMD, eligibility, underwriting, and policy terms.