Trades Insurance Online :: Calculators

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Trades Insurance Online Trades Insurance Calculator

Estimate your trades insurance needs with our Trades Insurance Calculator. Work out the right levels of cover to protect your trades business and your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Trades / Contractors – Insurance Calculator

For carpenters, electricians, plumbers, painters, roofers, tilers, landscapers and more. Totals your property replacement values, suggests a Public Liability limit, and estimates a Contract Works – any one contract limit. Not a quote or advice.

Business details

Trade

Team size (incl. you)

GST treatment Most trades claim input tax credits → ex‑GST sums.

Financier (optional)

Tools & portable equipment

Hand tools, cordless kits, lasers, test gear, laptops/tablets. Portable/away‑from‑premises cover

Plant & machinery

Compressors, generators, welders, concrete mixers, small plant, forklifts (unregistered).

Site gear & temporary structures

Scaffold, site sheds, hoardings, fencing, signage, tarps.

Materials on site (contract works)

Timber, piping, cabling, fixtures awaiting installation. Stored at site or in transit

Materials total

Goods in transit total (optional)

Hired‑in plant (optional)

Hired‑in plant limit

Estimated days hired per year

Public Liability – limit suggestion

Contract/principal required limit

Single‑loss property exposure (site value)

Work at height >10m?

Excavation/underground >1.5m?

Hot works on client sites?

Use subcontractors?

Contract Works – any one contract (suggestion)

Largest job value ($)

Buffer for variations (%)

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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Trades Insurance Articles

How to Choose the Best Commercial Vehicle Insurance for Your Trade Business

For tradespeople, protecting your tools and equipment is crucial. These are not just tools; they are the backbone of your business. Without them, you can't complete jobs, meet client expectations, or generate income. This includes your Vehicle. - read more

Understanding Professional Indemnity Insurance for Trades

Professional indemnity insurance (PI insurance) is a type of coverage designed to protect businesses and individuals who provide professional advice or services. It covers claims made against them for negligent acts, errors, or omissions in the performance of their professional duties. - read more

Top 10 Common Insurance Claims for Australian Tradespeople: What You Need to Know

Insurance is a crucial safety net for tradespeople, protecting against unforeseen mishaps that can disrupt their work and finances. Whether you're a carpenter, electrician, plumber, or any other skilled trade professional, having the right insurance can make a significant difference in your business continuity and peace of mind. - read more

Why Income Protection Insurance is Crucial for Tradespeople

In the trades industry, unexpected events and accidents can happen at any time. Injuries and illnesses can prevent you from working, potentially leaving you without a steady income. Insurance is a crucial safeguard that helps protect against these uncertainties, ensuring that you can continue to meet your financial obligations, even when you're unable to work. - read more

How Tradespeople Can Maximize Tax Deductions Through Insurance

Tradespeople work hard to earn their income, often facing unique expenses that can impact their bottom line. Understanding and maximizing tax deductions is crucial for minimizing these costs and keeping more of what they earn. By making informed decisions about expenses, tradespeople can significantly reduce their taxable income. - read more

Insurance News

Australian Insurers Falling Behind in Risk Preparedness

24 Dec 2025: Paige Estritori

Recent findings from the PwC Insurance Banana Skins Survey reveal that Australian insurers are lagging behind their global counterparts in risk preparedness. The survey, which gathered insights from 698 insurance executives across 42 territories, indicates that Australian insurers scored 6.6% lower on the Preparedness Index compared to the global average. - read more

Rising Home Insurance Premiums in Australia

24 Dec 2025: Paige Estritori

Australian homeowners are facing significant increases in home insurance premiums, with average rates rising by 16% over the past year. This surge is largely attributed to the escalating frequency and severity of extreme weather events, which have led to higher claims and increased rebuilding costs. - read more

Reinsurance: A Critical Safeguard for Australian Insurers

24 Dec 2025: Paige Estritori

Reinsurance plays a pivotal role in maintaining the financial stability of Australian insurers, effectively shielding them from potential losses that could reach up to $70 billion. In the past financial year, general insurers in Australia invested approximately $2.5 billion in reinsurance, a strategic move that has proven invaluable in mitigating the financial impact of increasingly frequent and severe natural disasters. - read more

Climate Change's Impact on Home Insurance Costs: IAG's Warning

16 Dec 2025: Paige Estritori

Insurance Australia Group (IAG), a leading insurer in the Australian market, has recently raised concerns about the escalating impact of climate change on home insurance premiums. The company warns that Australians should anticipate rising costs, attributing this trend to the increasing frequency and severity of weather events driven by climate change. - read more

Australian Insurers' Risk Preparedness Falls Behind Global Standards

16 Dec 2025: Paige Estritori

The Australian insurance industry is facing mounting challenges as it falls behind international counterparts in preparedness levels, according to the latest PwC Insurance Banana Skins Survey. The findings come at a time when Australian insurers are grappling with multiple simultaneous threats ranging from digital security concerns to regulatory pressures and affordability challenges. - read more

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Knowledgebase

Replacement Cost:
The amount it would cost to replace or rebuild an insured asset with one of similar kind and quality, without depreciation.

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