Your trade
Electrical, plumbing, carpentry, landscaping, concreting, roofing, and similar trades each carry different insurer appetite and wording.
Tradies insurance
A review path for trade businesses on the tools.
Trade businesses usually carry a mix of liability, tools, vehicle, and site-driven requirements that change as the jobs, crew, and contracts change.
General information only. Cover depends on the PDS, TMD, eligibility, underwriting, and policy terms.
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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.
Trade review
Work through the job, the crew, and the site.
Crew and subcontractors
Whether you work alone, employ staff, or engage subcontractors affects liability, workers compensation, and contract obligations.
Sites and contracts
Builders, principals, and government sites often specify minimum limits and wordings before you are allowed to start.
What usually gets covered
The moving parts of a trade business.
Tradies tend to insure the liability that follows the work, the tools and plant that do the work, and the vehicles that move it around.
Public liability
Generally the baseline cover for third-party injury or property damage arising from your work, and the one most sites ask to see.
Tools and plant
Hand tools, power tools, and mobile plant are frequently discussed, including theft from vehicles and sites, subject to the policy terms.
Vehicles and income
Utes, trailers, and fleet cover come up alongside personal accident or income protection, because time off the tools is time without income.
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.
What insurance do tradies usually need?
Public liability is the cover most commonly required by sites and clients, often alongside tools, plant, and vehicle cover. What you need depends on your trade, contracts, eligibility, underwriting, and the policy wording.
Are my tools covered if they are stolen from the ute?
Some policies address theft from a locked vehicle and some apply conditions or exclusions, particularly overnight. It is a normal point to confirm in the wording before you rely on it.
Do I need cover for subcontractors?
It depends how they are engaged and what your contracts say. Subcontractor arrangements affect liability and workers compensation questions, so it is worth raising early.
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Next action
Talk to a broker about this cover question.
Call Shahid Mohammad, book a short review, or use the contact page about tradies insurance questions. General information only; your options depend on the PDS, TMD, eligibility, underwriting, and policy terms.