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 service provider 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.
 

We accept various major credit cards, including: VISA, Mastercard and AMEX.

Yes you can.

If you would like to apply for premium funding (pay by the month), 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 will then email you the Premium Funding quote and application form.

It is important to keep in mind that if you decide to pay your premium in monthly instalment, this will attract additional costs. 

Yes, if you decide to purchase a policy, you should then receive two emails which include: 

(a)    a record of any answers you gave to any questions; 
(b)    your certificate of currency;
(c)    your policy schedule including any relevant policy endorsements); and 
(d)    your tax invoice confirming the purchase of your selected policy(s). 

If you do not receive copies of the documents referred to above, please contact us immediately.

Yes. We extend the Public & Products Liability policy to include an endorsement that 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 Public & Products 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.

If one of your employees is injured at work, this policy will not cover them for the injury that they may sustain. 

If you are after a Workers’ Compensation policy which provides cover for your employees for injuries that are sustained at work, contact us on 1300 904 503.

This Public & Products Liability policy provides 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 coverage for them. Please direct them to www.howdengroup.com/au-en/trades-insurance or have them call us at 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.
 

This depends on the size, nature and the risks involved with running your business. You will have the option of purchasing limits of $10 million or $20 million cover. 

We offer excesses between $500 and $2,500. We recommend that you select an excess to suit your circumstances.

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, just call us on 1300 904 503, we’re here to help! 

Just call us on 1300 904 503, we’re here to help!