Trades Insurance Online :: Calculators

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Trades Insurance Online Trades Insurance Calculator

Estimate your trades insurance needs with our Trades Insurance Calculator. Work out the right levels of cover to protect your trades business and your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Trades / Contractors – Insurance Calculator

For carpenters, electricians, plumbers, painters, roofers, tilers, landscapers and more. Totals your property replacement values, suggests a Public Liability limit, and estimates a Contract Works – any one contract limit. Not a quote or advice.

Business details

Trade

Team size (incl. you)

GST treatment Most trades claim input tax credits → ex‑GST sums.

Financier (optional)

Tools & portable equipment

Hand tools, cordless kits, lasers, test gear, laptops/tablets. Portable/away‑from‑premises cover

Plant & machinery

Compressors, generators, welders, concrete mixers, small plant, forklifts (unregistered).

Site gear & temporary structures

Scaffold, site sheds, hoardings, fencing, signage, tarps.

Materials on site (contract works)

Timber, piping, cabling, fixtures awaiting installation. Stored at site or in transit

Materials total

Goods in transit total (optional)

Hired‑in plant (optional)

Hired‑in plant limit

Estimated days hired per year

Public Liability – limit suggestion

Contract/principal required limit

Single‑loss property exposure (site value)

Work at height >10m?

Excavation/underground >1.5m?

Hot works on client sites?

Use subcontractors?

Contract Works – any one contract (suggestion)

Largest job value ($)

Buffer for variations (%)

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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Trades Insurance Articles

5 Key Benefits of Trade Insurance You Can’t Afford to Ignore

Trade insurance is an essential safeguard for subcontractors in Australia. It offers a safety net that protects against the uncertainties and inherent risks in the industry. Whether you're a plumber, electrician, or construction worker, having the right kind of insurance can mean the difference between financial stability and ruin. - read more

Why Every Subcontractor in Australia Needs Proper Insurance

Insurance is a crucial safeguard for everyone, but for subcontractors, it's essential. In the world of trade professionals, the tools of the trade are more than just pieces of equipment; they are investments into one's livelihood. - read more

Creating a Monthly Budget Plan for Small Australian Trade Businesses

Creating a monthly budget is essential for any business, but it holds particular importance for small trade businesses in Australia. Effective budgeting can help you manage cash flow, allocate resources efficiently, and ensure financial stability. - read more

A Beginner’s Guide to Trades Insurance in Australia

Trades insurance is a type of coverage specifically designed to protect those who work in various trades, such as electricians, plumbers, carpenters, and builders. It encompasses a range of insurance products tailored to address the unique risks and challenges faced by tradespeople in their day-to-day activities. - read more

How to Choose the Right Trades Insurance: Comparing Insurer Perks

Being a tradesperson in Australia comes with its own unique set of risks. Whether you're an electrician, plumber, carpenter, or builder, having the right insurance coverage is crucial for protecting your livelihood and your peace of mind. Without adequate insurance, you could be financially devastated by accidents, theft, or property damage. - read more

Insurance News

Australian Insurers Falling Behind in Risk Preparedness

24 Dec 2025: Paige Estritori

Recent findings from the PwC Insurance Banana Skins Survey reveal that Australian insurers are lagging behind their global counterparts in risk preparedness. The survey, which gathered insights from 698 insurance executives across 42 territories, indicates that Australian insurers scored 6.6% lower on the Preparedness Index compared to the global average. - read more

Rising Home Insurance Premiums in Australia

24 Dec 2025: Paige Estritori

Australian homeowners are facing significant increases in home insurance premiums, with average rates rising by 16% over the past year. This surge is largely attributed to the escalating frequency and severity of extreme weather events, which have led to higher claims and increased rebuilding costs. - read more

Reinsurance: A Critical Safeguard for Australian Insurers

24 Dec 2025: Paige Estritori

Reinsurance plays a pivotal role in maintaining the financial stability of Australian insurers, effectively shielding them from potential losses that could reach up to $70 billion. In the past financial year, general insurers in Australia invested approximately $2.5 billion in reinsurance, a strategic move that has proven invaluable in mitigating the financial impact of increasingly frequent and severe natural disasters. - read more

Climate Change's Impact on Home Insurance Costs: IAG's Warning

16 Dec 2025: Paige Estritori

Insurance Australia Group (IAG), a leading insurer in the Australian market, has recently raised concerns about the escalating impact of climate change on home insurance premiums. The company warns that Australians should anticipate rising costs, attributing this trend to the increasing frequency and severity of weather events driven by climate change. - read more

Australian Insurers' Risk Preparedness Falls Behind Global Standards

16 Dec 2025: Paige Estritori

The Australian insurance industry is facing mounting challenges as it falls behind international counterparts in preparedness levels, according to the latest PwC Insurance Banana Skins Survey. The findings come at a time when Australian insurers are grappling with multiple simultaneous threats ranging from digital security concerns to regulatory pressures and affordability challenges. - read more

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Knowledgebase

Insurable Interest:
A financial or other kind of interest in the insured item or person, necessary for a valid insurance contract.

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