Tailored insurance for a wide range of tradies in Australia.
You do everything you can to keep yourself, your employees and your customers safe. But even the best tradies have accidents. And those accidents could prove extremely costly, both in time and money, if someone gets injured or property is damaged.
QBE Trades insurance is a business insurance that provides flexible cover to protect you, your business, your tools and vehicles – so you can get on with doing great work.
We have tailored trades insurance packages to suit a range of needs, from bricklayer insurance to options for plumbers, electricians, carpenters, plasterers, painters or other tradies operating as a sole trader or small business.
What can QBE Trades insurance cover*?
QBE Trades insurance can be tailored to cover a wide range of events, whether you’re working on site or at your own premises, and whether you’re most concerned about tool insurance, ute insurance, or covering your employees in case of an accident. This can include:
- Public Liability insurance – $5 million, $10 million, $20 million or $50 million cover against third-party personal injury, property damage and advertising liability claims
- Physical loss or damage to your business premises
- Physical loss or damage to your tools and other portable equipment
- Legal action by employees (also known as Employment Practices Liability)
- Legal action by government (also known as Statutory Liability)
- Personal accident and sickness
- Business vehicles
* Covers listed are subject to terms and conditions. Limits and exclusions apply.
What are the most common claims for trades insurance?
The best trades insurance will cover all the common claims made by tradespeople to ensure peace of mind for business owners and workers alike. When looking at your options, be sure to include a trade insurance comparison to see what each provider covers.
Here are some of the most common claims for trades insurance:
- Third party property damage such as damage to floors, damage to glass, ceilings, or home contents while they are carrying out work.
- Theft of tools or electronic equipment on site, from sheds, offices and vehicles.
- Accidental damage to own property such as mobiles, laptops and tools.
- Personal injury claims tend to be less frequent but are highly costly for small businesses
How to get business insurance for trades
QBE Trades insurance is available through brokers and QBE authorised representatives. They’ll ensure your cover works for you. And if you need to make a claim, they’ll guide you through our claims process.
Need a broker? If you don’t have a reliable personal recommendation, the National Insurance Brokers Association (NIBA)* can help you find an accredited broker. Or see our guide to finding the right broker.
*The brokers on this site are not employees or agents of QBE, but are independent entities. QBE is not responsible for any advice provided to you by any broker on this site. Any such advice is the responsibility of the broker concerned.
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