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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.

Speak to us on 13 24 81

Save up to 10% when you buy a new Business Insurance policy online1. 1Conditions apply

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.

  • This is a summary only, for the full details of what is and is not covered, please read your Product Disclosure Statement (PDS).

Get 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.

    Find out more about Public Liability Insurance.

  • 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–8pm 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.

  • Why do I need to tell you what my business turnover is?

    We use turnover to gauge the size of your business and make sure our products can provide your business with adequate coverage – it does not influence pricing.  

Understanding public liability

Public liability explained

Wondering what's covered under Public Liability insurance?  Find out on the CGU Blog

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.

We help tradies see it through

  • Trusted by thousands of businesses

    CGU is a leading business insurer, providing cover for more than 100,000 businesses and over one million motor vehicles.
  • Experience counts

    With 160 years of insurance experience behind us, you can trust CGU to help you out when you need it most.
  • Support through claims

    It’s easy to make a claim with CGU. Get started any time of the day or night. We'll help you through the process and get you back in business quickly.
  • Pay by the month for no extra cost

    Prefer paying your insurance in monthly instalments? Set up direct debit with us and pay by the month at no additional cost.