Insurance for tradies
Whether you're a carpenter, electrician, painter, plumber or other tradie, our Insurance for tradies can help protect your business. Choose your cover online in just a few easy steps.
Cover designed for tradies
Our Insurance for tradies provides insurance protection tailored to the needs of tradies. Whether you’re a plumber, electrician or landscape gardener, it offers flexible cover for your business. Our Insurance for tradies offers you the flexibility to tailor your package by choosing from multiple levels of public liability insurance, flexible tool cover and commercial vehicle insurance as options.
Insurance for tradies can cover:
-
Public and product liability
Protect your business against claims for accidental damage or injury caused to an individual or their property as a result of your work.
-
Commercial motor vehicles
Covers the motor vehicles you use to operate your business.
-
Personal accident and illness
Provides a weekly benefit in the event of certain injuries, accidents or illnesses.
-
Portable property
Covers you for loss, damage or burglary for insured property (e.g. tools) you take on the road with you or stored at a worksite away from your main premises.
Looking for policy documents?
Log in to CGU Online to download your Certificate of Currency or Certificate of Insurance.Or you can:
Request Certificate of Currency Request Certificate of Insurance Request Tax InvoiceGet a Business Insurance quote
Want a quick quote right away? You can get a quote and buy your Business Insurance online in minutes. Need help choosing the right insurance? Our Business Insurance specialists can help answer your questions, or help you find an insurance broker if you need more help.
Business Insurance FAQs
-
What is Public Liability Insurance?
Public Liability Insurance protects your business against claims resulting from accidents or injuries that occur as result of your business activities or products, as well as damage to property owned or controlled by someone else.
-
How much Public Liability Insurance do I need?
Every business is different, and there is no ‘one size fits all’ rule for how much Public Liability Insurance your business needs.
We offer multiple levels of public liability cover which can be purchased from us directly:
- $5 million
- $10 million
- $20 million
If you need more cover, call us on 13 24 81 (8am–7pm AEST, Mon–Fri).
Public liability claims can be very costly, so it’s important you choose a level of cover that will financially protect your business should you need to make a claim.
-
What is personal accident and illness cover?
Personal accident and illness insurance helps you cover your costs if you are unable to work due to injury or illness. You can also select an option for compensation if certain specified permanent injuries occur (this is referred to as Lump Sum benefits).
For more information about this cover, read your PDS.
-
What is the difference between personal accident and illness cover and income protection cover?
Personal accident and illness can cover you if you are self-employed, and it provides short to medium term cover (maximum 104 weeks) if you are unable to work because of injury or illness.
Income protection can cover anyone (self-employed, home-makers, part time workers, full time employees, etc) and is intended to be a long-term cover.
For more information about this cover, read your PDS.
Understanding public liability
Forms and downloads
For previous policy booklets, check our policy booklets page.
Things you should know
1 You can save up to 10% on the Business Insurance 'base premium' when you first purchase online. The base premium doesn't include any government or statutory charges. You will only get a discount on your first year's premium. Discounts only apply until you reach your minimum premium, so your discount might be limited by your minimum premium. When we calculate your premium on renewal, we may also limit any increases or decreases by considering factors like your previous year’s premium. This online offer may be withdrawn at any time and is subject to the full terms and conditions.
