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Uplift - Trades cover

Custom-designed insurance for tradies. Choose your cover online in just a few easy steps or call 13 24 81.

Cover designed for tradies

CGU’s trades insurance provides insurance protection tailored to the needs of tradies. Whether you’re a plumber, electrician or landscape gardener, our trades insurance offers flexible cover for your business. Our trades insurance offers you the flexibility to tailor your package by choosing from three levels of public liability insurance, flexible tool cover and commercial vehicle insurance as options. CGU trades insurance can cover you for:

Trades 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, as well as accidental damage to property owned or controlled by someone else.

  • Why do tradies need public liability insurance?

    Public liability can be one of the most common, yet costly claims for tradies. 

    No matter how cautious or experienced you are, accidents happen.

    If damage or an accident occurs as a result of your work, the impacted third party may be able to make a claim against your business, which can result in costly legal fees as well as the obligation to pay for the damage or injury you may have caused.

    Public liability insurance is your best defence against potentially costly personal injury or property damage claims, and given the nature of trades work is an essential cover.

  • What does public liability insurance cover me for?

    CGU public liability insurance covers your business for:

    • Legal costs incurred in the defence or settlement of a claim
    • Cover for others that may be acting on behalf of your business when the incident occurred
    • Loss or damage of goods – which are in your care custody or control which you do not own
    • Loss or damage of someone else’s property that occurs while performing your service
    • First aid expenses at the time of an incident
    • Injury to others who sustain injury whilst visiting your premises

    Find out more about public liability

  • 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.

    Sometimes the amount of public liability insurance you need will be dictated by the contracts you work on – for example, some corporate and government contracts will stipulate a minimum amount of public liability.

    In some states, your trades association (eg for plumbers or electricians) may require you to have public liability insurance in as part of obtaining and renewing your contractors licence.

    CGU offer three levels of public liability cover which can be purchased from us directly:

    • $5 million
    • $10 million
    • $20 million

    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.  Most tradies opt for a higher level of public liability coverage, due to the nature of their work. 

  • What sorts of claims are covered by public liability insurance?

    Some examples of claims that might be covered under your public liability policy would be:

    • You are working at a customer’s house and your ladder slips and accidentally breaks a window
    • You install a faulty tap, which later leads to a customer’s bathroom flooding and damaging their floor
    • You accentually damage a neighbour’s fence and driveway with your earthmoving equipment
    • You built a retaining wall incorrectly, which led to the wall collapsing and injuring a bystander  
  • What is tool and portable equipment cover?

    This cover is specifically added to our trades insurance package because we know how important your tools are to your work.  Your power tools can be worth thousands, and unfortunately small hand held tools are frequently the targets of thieves. If your tools were damaged or stolen, you’d be unable to work until you replaced them.  By insuring your tools, you’ll have peace of mind that if something happens to them you’ll be able to replace them quickly and get back to work.

    For more information about this cover, read the Trades insurance product disclosure statement (PDS).

  • 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. As a tradie, your work is likely physically demanding and riskier than some other professions. Personal accident and illness cover ensures you are financially protected if you’re not able to work due to an accident or illness.

    For more information about this cover, read the Trades insurance product disclosure statement (PDS)

Understanding Public liability

Public liability explained

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

Need help choosing the right insurance?

We’re here to help you work out which car insurance policy is right for you. Our friendly CGU insurance specialists can answer all your questions, or you can turn to an insurance adviser for help in assessing your risk and working out the right cover for your needs.