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.
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
Most trades claim input tax credits → ex‑GST sums.
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
Hired‑in plant (optional)
Public Liability – limit suggestion
Contract Works – any one contract (suggestion)
See JSON summary (for broker / quote request)
Heads‑up: Liability, Contract Works wording, Tools theft limits/excesses, and Hired‑in Plant terms vary by insurer. This tool totals user‑entered values and uses heuristics to suggest limits. It isn’t a quote or advice.
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
Trades insurance is a specialised type of coverage designed to protect individuals and businesses in the trades industry. This category includes a wide range of professionals such as electricians, plumbers, builders, and other manual workers who face unique risks in their day-to-day operations. - read more
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
Budgeting is one of the most crucial aspects of running a small trade business. Without a proper budget, it's easy to lose track of your expenses and revenues, leaving you in a financial mess. This can be especially challenging for small trade businesses where margins are often tight, and a minor miscalculation can lead to significant issues down the line. - read more
In the world of trades, having the right financial products can make a significant difference in managing your business effectively. Whether you're a plumber, electrician, carpenter, or any other type of tradesperson, financial products such as insurance, loans, and savings accounts play a crucial role in protecting your livelihood and ensuring sustainable growth. - read more
In recent years, Australia's tradie culture has undergone a significant transformation, moving away from its rough-and-tumble past to a more professional and disciplined environment. - read more