CONSTRUCTION & TRADES INSURANCE BROKER
Construction & Trades Insurance
When you are a builder or hands‑on tradie, risks are part of the job. Tools get damaged, worksites have accidents, clients expect solid protection. At AllCover Insurance Brokers, our Construction & Trades Insurance is built for people like you – contractors, builders, tradies – who need strong cover, clear terms, and a broker who truly understands the job.
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What Is Construction & Trades Insurance?
This is a specialised insurance package tailored to the unique risks faced by the construction and trades sector. It can include a mix of coverage types such as public liability, tools & equipment, contract works, tradesman’s insurance, and business‑interruption risk. We work with you to align policy scope with the type of work you do, the machinery you use, and the sites you visit.
Typical Covers Include
| Feature / Cover | What This Means for Your Business |
| Public & Products Liability | For injury to others or damage to property due to your business or worksites. |
| Contract Works Insurance | Protection for work being done, including materials, subcontractors, temporary works, delays, theft or damage while in progress. We love doing contract works insurance and boutique builders insurance. |
| Tools, Plant & Equipment Cover | Cover for tools, machinery, portable gear whether at your workshop, in transit, or onsite. |
| Employer’s Liability / Workers’ Compensation (if required by law) | Covering your liability for employees injured on the job. |
| Business Interruption | Cover loss of income, ongoing expenses while repairs or rebuild are underway due to an insured event. |
| Portable Equipment Insurance | For equipment that moves between jobsites. |
| Project Specific Risks |
Such as demolition, scaffolding, excavation, or specialised trades like electrical, plumbing or structural work. |
Why You Need Construction & Trades Insurance
What you need to know:
Contract / Site Requirements: Many construction contracts / site managers demand certain insurance levels (liability, works insurance etc.). You’ll need proof.
Limit of Cover & Deductibles: Choosing the right limit (e.g. $5m, $10m etc.), and deductible levels affect cost and protection.
Tool / Plant Value & Condition: Older tools, specialised gear—they often need special valuation or may attract higher premiums.
Worksite Safety & Risk Management: Good safety practices, documented policies, maintenance etc. can lower your premium and reduce claims risk.
Regulatory Compliance: Depending on the state/territory, certain insurances are mandatory. It helps to get legal/regulatory advice.
Why Trades & Construction Businesses Choose AllCover
1.
Our business was built on this sector. We have had many hard working tradies insured for decades. We know the trades, the contracts, the job sites; we know what risks matter. Like you, we are good at this stuff
2.
Tailored policies – Not all trades are the same. Electricians, carpenters, builders, plumbers – you’ll get a policy built around your risk profile.
3.
Insurer access – Because we specialise, we have relationships with insurers who understand trades risks and can offer competitive rates.
4.
Claims‑oriented support – If something goes wrong, we help you through the claims process; we aim to make it as painless as possible.
5.
Flexible coverage – As your business grows, takes on bigger jobs, or adds new services, your cover can evolve with you.
Real World Scenarios
- A carpenter whose van and portable woodworking tools are damaged while in transit – tools & equipment cover to repair or replace.
- A builder working on a home renovation suffers storm damage to materials already installed – contract works to the rescue.
- An electrician on a client’s premises causes accidental damage during installation – liability cover handles the claim.
How Much Does It Cost?
The cost for Construction & Trades Insurance depends on:
– The trade(s) you work in (some trades have higher risk “dangerous work”).
– The value of tools, plant, equipment and materials.
– Size and turnover of your business.
– Safety record, claims history, risk controls in place.
– Location(s) you operate in; distance between sites.
With AllCover, we compare multiple insurers to find you the best value. We explain every cost, every exclusion, so you know exactly what you are paying for.
Get Your Trade Insurance Quote
Don’t leave your profession exposed to avoidable risk. Get coverage that matches your trade, protects your tools, and satisfies your contracts.
Call us or fill in our quote request form. We’ll assess your needs, flag what’s mandatory, and tailor a policy so you’re properly insured—no surprises.
Do tradies need insurance?
Yes. Public liability is often required for tradies by clients, councils, and site managers, and it protects you if something goes wrong.
What does Contract Works Insurance cover?
It covers building works, materials, and structures while they’re under construction, including risks like fire, theft, or storm damage.
Can I cover my tools and equipment?
Yes. Tools and equipment insurance covers loss or damage to your gear, whether at your workshop, on site, or in transit.