Insurance for tradies

Some tradies will require Public Liability insurance before they can work onsite, or for different franchise groups and also to apply for or renew their contractor’s licence, depending on their trade and the state which they are located in.

Even if public liability cover is not mandatory for your situation, if you are a self-employed tradie it is still a very effective way of protecting your business against financial loss.
 

We are currently offering Public & Products Liability and Tools of Trade online and can provide you with a quote for all other insurances needed such as:

• Personal Accident Insurance
• Motor Vehicle Insurance
• Fire & Peril Insurance
• Business Interruption Insurance
• Tax Audit Insurance
• Home & Contents Insurance

Just call us on 1300 904 503.
 

Depending on the cover you need you will find us very competitive. Our policies start from $390 for Public & Products Liability and $237 for Tools of Trade.
 

It’s easy to pay online - we accept major credit cards VISA, MasterCard and AMEX.

Yes you can. This will be available online shortly.

In the meantime, if you need to pay by instalments, please continue to get a quote and apply online, then at the end under ‘Payment Information’ click on ‘If you wish to pay by the month or cannot pay by credit card, please click here and we will be in contact shortly’, we can then provide a monthly premium (Premium Funding) form for you.

Note: there is an interest charge with this payment type.

Yes. Once you buy the policy/ies online you will receive 2 emails within minutes of paying.

The first being a record of your answers and the second being your Certificates of Currency and well as a copy of the invoice, schedules and links to other important documentation.
 

Yes. We extend the liability policy to include an endorsement which covers defect liability and trade practices liability for electricians operating in Queensland in order to comply with the insurance requirements contained in the Electrical Safety Regulation 2002.
 

Yes. We extend the liability policy to include an endorsement that covers defect liability and trade practices liability for plumbers operating in Victoria in order to comply with the insurance requirements contained in the Licensed Plumbers General Insurance Order 2002.
 

Public & Products Liability does not include Workers' Compensation cover for employees, contact us on 1300 904 503.

Public Liability policies provide cover for the named insured noted on the policy. It does not extend to provide cover for sub-contractors that you engage.

Sub-contractors that you engage should have their own public liability in place. 

We can provide cover for them - just send them to www.howdengroup.com/au-en/tradies-insurance-solutions or get them to call us on 1300 904 503.

The nature of trade work often requires tradies to work in hazardous environments.  

A self-employed tradie or sub-contractor is responsible for their business activities while on a job site. They could cause property damage or personal injury while on the job, and this could result in being liable for financial damages.

Public & Products Liability insurance is important for all tradies who are self-employed or who are working as sub-contractors. For some tradies it is mandatory, for others it is simply a smart way of protecting their businesses.
 

Just select the amount of cover that suits your business. We have the option of $10 million or $20 million.
 

You can select the excess to suit your circumstances, ranging from $500 to $2,500.

Tradies can’t work without their tools. If your work tools are damaged or stolen they can be expensive to replace.

The best option for protecting your tools is to have an appropriate tool insurance policy in place. Having tool insurance helps to keep you on the job by covering the tools and equipment you use for your trade. The cover provides the financial assistance to repair or replace these items in the event of theft and accidental damage. 
 

Yes - please call us on 1300 904 503.

Just call us on 1300 904 503.