Tradesmen Insurance

Protect your business with comprehensive coverage that keeps you,
your team, and your tools safe from unexpected risks and liabilities.

Overview

Protecting your trade business is essential to maintaining success and peace of mind. At ASR Insurances, we provide comprehensive insurance packages designed to meet the unique needs of tradesmen — whether you’re a sole operator or managing a team.

Our tailored policies cover key areas such as public liability, tools and equipment, and business vehicles, ensuring your livelihood is safeguarded from unexpected risks. With additional options like personal accident and sickness cover, we help protect your income even during challenging times.

Backed by expert guidance, our team works with you to customise a plan that fits your trade, budget, and goals. With ASR Insurances, you can focus on your work with confidence — knowing your business is protected at every step.

Essential Insurance Coverage

Public Liability Cover

Protects tradespeople from third-party claims arising from personal injury or property damage caused during day-to-day business activities. This cover can also be extended to include liability for work carried out by your employees or subcontractors — ensuring full protection for your business operations.

General Property Cover

Provides protection for your essential tools, equipment, portable items, and stock against loss or damage caused by fire, theft, or accidental events. This cover ensures your vital business assets are financially safeguarded, helping you recover quickly and maintain operations with minimal disruption.

Commercial Motor

Offers Comprehensive or Third-Party Property Damage, Fire & Theft cover for your business vehicles and trailers. This policy provides essential financial protection against accidents, theft, and unforeseen events — keeping your operations running smoothly and your assets secure on the road.

Personal Accident & Sickness Insurance

To cover loss of your income due to your inability to perform regular business activities for an extended period of time in the event of any personal injury or sickness.

Frequently Asked Questions

What types of insurance do tradesmen need?

Tradesmen often require a mix of coverages to stay fully protected on and off the job. Essential policies include Public Liability Insurance, Professional Indemnity, Workers’ Compensation, and Tools & Equipment Cover.

Together, these policies safeguard against key risks such as property damage, injury to clients or the public, and theft or loss of valuable tools — ensuring your trade business operates safely and confidently.

What is public liability insurance and why is it important for tradesmen?

Public liability insurance is designed to protect tradesmen against claims made by third parties for property damage or personal injury caused by their business activities. It is important for tradesmen because it can cover the cost of legal fees, compensation payouts, and other expenses associated with a claim, which could otherwise be financially devastating.

Do I need workers' compensation insurance as a self-employed tradesman?

The requirement for Workers’ Compensation Insurance varies across Australian states and territories. In some regions, self-employed tradespeople are not legally required to hold this coverage, while in others, it is mandatory. Regardless of the requirement, having workers’ compensation provides essential financial protection — covering medical costs, lost income, and recovery expenses in the event of a work-related injury or accident.

What is tool insurance and how does it protect my equipment?

Tool Insurance provides protection against the loss, theft, or damage of tools and equipment essential to your trade. This includes hand tools, power tools, and other portable gear used in daily operations. With the right cover, you can quickly repair or replace damaged items — minimising downtime and keeping your business running smoothly.

Can I customise my tradesmen insurance policy to suit my specific needs and budget?

Yes, most Tradesmen Insurance policies can be tailored to match your unique needs and budget. You can adjust coverage levels, include or exclude specific features, and choose flexible payment options that align with your cash flow. Working with an experienced insurance broker ensures your policy provides the right protection — without paying for unnecessary extras.

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