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The Ultimate Checklist for Choosing the Right Trades Insurance Policy
Whether you’re a seasoned tradie or just starting out, having the right business insurance for tradies can make or break your business. With so many policies on the market, it can be hard to know which one ticks all the boxes.
Here’s your no-nonsense checklist to help you choose a policy that’s the right fit for your tools, trade, and peace of mind.
Public Liability Cover – Non-Negotiable
If there’s one thing every Aussie tradie needs, it’s public liability insurance for trades. This covers you if a third party (like a client or a passer-by) suffers injury or property damage because of your work.
Look for:
- Adequate coverage limits (most tradies opt for $5M–$20M)
- Inclusion of legal defence costs
- Cover for subcontractors (if you use them)
Tool and Equipment Cover
Your tools are your livelihood. Make sure your policy includes tools of trade insurance to cover theft, damage, or loss of essential gear—even from your ute or trailer.
Bonus tip: Check the fine print around unattended vehicles and overnight storage.
Vehicle & Commercial Motor Insurance
If you use your ute, van or truck for work, regular car insurance might not cut it. You’ll want proper motor trades insurance or motor trades liability insurance that covers commercial use, signage, custom racking, and tools kept inside.
Essential inclusions:
- Replacement vehicle
- Windscreen cover
- Coverage for signage and modifications
Cover That Suits Your Trade
Not all policies are one-size-fits-all. Whether you’re a sparky, chippy, plumber or painter, choose a tailored tradie insurance package designed for your specific risks.
Need to cover multiple types of work? Ask about multiple trades insurance.
Contractual & Legal Requirements
Many worksites or contracts will require proof of trades liability insurance or contract works insurance before you start. Adroit can provide certificates of currency quickly and accurately.
Income Protection & Personal Accident
If you’re self-employed, an injury or illness can stop the cashflow cold. Consider bundling insurance for trades with personal accident or income protection, so you’re covered even when you’re off the tools.
Marine or Niche Insurance Options
If your work involves transport, offshore jobs, or high-value equipment, you may need extras like marine trades insurance or iron trades insurance. These are niche, but critical for certain contracts or industries.
Claims Process & Customer Support – The Adroit Advantage
When things go pear-shaped, you need an insurance partner who’s in your corner—fast. That’s where Adroit Insurance & Risk stands out.
With Adroit, you’re backed by:
- A dedicated local Risk Adviser who understands your trade
- 24/7 emergency claims assistance
- End-to-end claims support – we lodge, follow up, and resolve it for you
- Fast turnaround on Certificates of Currency when you need to get on site quickly
We don’t just provide cover—we partner with you to protect your livelihood.