Public liability, tools, and personal accident cover for Queensland tradies who can't afford to stop working — and can't afford to be underinsured.
These are the exposures that regularly catch Tradies & Sole Traders off guard — often because they weren't on anyone's radar until a claim was already underway.
Many principal contractors and builders won't allow subcontractors on site without a current certificate of currency. Even if they do, a single incident — a damaged pipe, an injured bystander — can cost more than a year's earnings without cover in place.
A ute full of tools is a target. Theft from unattended vehicles is one of the most common claims for Queensland tradies. Standard home and contents policies exclude tools used for business — a dedicated tools policy fills that gap.
You are the business. If you're injured and can't work, there's no sick leave — just no income. Personal accident cover pays a weekly benefit while you're off the tools, keeping the bills paid while you recover.
Contracts with builders, councils, or commercial principals often require specific liability limits or additional insured status. If your policy doesn't match what you've signed, you may be personally exposed to any shortfall.
Commercial vehicles, trailers, generators, and compressors are often inadequately covered under standard motor policies — particularly when used across multiple sites or temporarily hired to others.
A remediation claim — where your work is alleged to have caused damage to property or a third party — can arrive months or years after completing a job. Knowing your policy responds correctly before the work starts matters.
The insurance products most relevant for Tradies & Sole Traders — placed through insurers we deal with regularly.
The non-negotiable for every tradie. Covers your legal liability for injury to third parties or damage to their property arising from your work — on site, off site, and in transit.
Covers theft, loss, and accidental damage to your tools and equipment — including overnight in a vehicle. We review blanket limits and ensure high-value items are specifically scheduled.
Weekly benefits if you're injured or ill and can't work. Available without an income test for sole traders who can't access standard income protection — covers both on-site and off-site injuries.
For tradies with fixed premises — a shed, a yard, a workshop. A business pack covers the building, contents, and stock alongside your liability exposure.
Three reasons to consider using a broker rather than buying direct.
We maintain your policy documentation and provide certificates of currency when you need them.
We review your contract insurance requirements before placing cover, not after a dispute. If a principal requires $20M liability or additional insured status, we will discuss whether available policies meet it.
A public liability claim or a tools theft shouldn't become a second full-time job. We assist with lodging and following up the claim, including contact with loss adjusters, on your behalf.
Tell us about your situation and a broker will come back to you — no jargon, no pressure, no obligation.
General advice warning: any advice we provide is general in nature and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read the relevant Product Disclosure Statement and our Financial Services Guide.
Or call us: (07) 3155 2296