Tradies and Construction Insurance - EasyBizInsure

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Tradies & Construction Insurance

Tradies and construction businesses face high-risk working environments, strict contract requirements, and significant liability exposure. Construction insurance helps protect your business, your tools, and your projects while you’re on the job.

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Who We Insure?

We work with a wide range of construction-related businesses, including:

Builders and principal contractors

Electricians, plumbers, and carpenters

Subcontractors

Renovation and fit-out contractors

Trades working on residential and commercial projects

Common Risks for Tradies & Construction

Tradies and construction companies are exposed to a number of everyday risks. Even small incidents can result in significant costs.

Here are the top risks we help you manage.

Injury to third parties on-site

Damage to client property

Theft of tools or materials

Damage to works in progress

Contractual insurance requirements

Employee injuries

What insurance do you need?

Tailor your policy to include exactly what you need, without paying for what you don't.

Public Liability

Covers legal costs and compensation if a third party is injured or their property is damaged.

Injury claims
Property damage
Legal costs

Essential

Contract Works Insurance

Protects buildings, materials, and works in progress during construction.

Works in progress
Materials on-site
Insured events

Tools & Plant Insurance

Covers tools and equipment against loss, theft, or accidental damage.

Theft
Accidental damage
On-site and transit

Workers Compensation

Compulsory cover for employees' medical expenses and lost wages if they are injured at work.

Legal requirement
Workplace injuries
Wage protection

Required

Professional Indemnity (Where Applicable)

Required for businesses providing design, advice, or technical services.

Advice errors
Client claims
Legal defence

Our Process
How We Help You

Reviewing contract insurance requirements

Ensuring activities are correctly declared

Compare policies from multiple insurers

Explain policy wording and exclusions in plain English

Assist with claims if an incident occurs

Structuring cover that meets site and builder requirements

Protect your business today

Get a tailored quote for your business in less than 5 minutes.

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Frequently Asked Questions

Public liability insurance is not always legally required, but it is often required by builders, councils, or contracts. Workers compensation is mandatory if you employ staff.

Most tradies require a combination of public liability, tools insurance, and personal accident or income protection, depending on how they operate.

Generally no. Public liability usually covers injury or property damage, not poor workmanship. Some policies may cover resulting damage — this depends on the wording.

Tools can be covered, but only if tools cover is added and security conditions are met. Not all policies automatically include this.

Yes. Most principals require subcontractors to carry their own public liability insurance, even if they work under another builder.

Most contracts require $10M or $20M, depending on the work type and site requirements.

Yes, provided your policy covers all declared activities and you are not working outside the scope disclosed to the insurer.

Yes, public liability insurance generally covers the actions of employees while working for you.

Non-disclosure can lead to claim denial. It’s critical all activities are accurately declared.

Yes. Sole traders can still require insurance and are often personally exposed to claims.

Important Information GS Insurance Service Pty Ltd ABN 48689471663 | ASIC Authorised Representative No: 1316709 is a Corporate Authorised Representative of Resilium Insurance Broking Pty Ltd ABN 92 169 975 973 | AFSL 460382.  

The information on this website does not take into account the objectives, financial situation or needs of any person. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation or needs. ‍ 

We subscribe to and are bound by the Insurance Brokers Code of Practice, a full copy of which is available from the National Insurance Brokers Association (NIBA) website, https://www.niba.com.au

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