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.

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

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Trades Insurance Articles

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

How to Choose the Right Trades Insurance: Comparing Insurer Perks

Being a tradesperson in Australia comes with its own unique set of risks. Whether you're an electrician, plumber, carpenter, or builder, having the right insurance coverage is crucial for protecting your livelihood and your peace of mind. Without adequate insurance, you could be financially devastated by accidents, theft, or property damage. - read more

A Beginner’s Guide to Trades Insurance in Australia

Trades insurance is a type of coverage specifically designed to protect those who work in various trades, such as electricians, plumbers, carpenters, and builders. It encompasses a range of insurance products tailored to address the unique risks and challenges faced by tradespeople in their day-to-day activities. - read more

Top Strategies for Australian Tradespeople to Slash Insurance Premiums

Trade insurance is an essential aspect of running a successful trade business in Australia. Whether you are a carpenter, electrician, plumber, or any other type of tradesperson, having the right insurance coverage protects you from unexpected risks and liabilities that could otherwise derail your operations. - read more

How Public Liability Insurance Protects Your Trades Business

Public liability insurance is a type of coverage designed to protect businesses against claims of property damage or personal injury caused by their work. This type of insurance is essential for trades professionals, as it provides financial protection against legal and compensation costs arising from incidents related to their services. - read more

Insurance News

Understanding the Surge in Home Insurance Premiums Across Australia

21 Oct 2025: Paige Estritori

Australian homeowners are experiencing notable increases in home insurance premiums, a trend largely driven by the escalating frequency and severity of extreme weather events. Recent data indicates that average annual premiums for new home and contents policies have risen by 14%, equating to an additional $343 per year for policyholders. This surge is a direct response to the substantial claims resulting from natural disasters that have impacted various regions across the country. - read more

The Vital Role of Reinsurance in Safeguarding Australian Insurers

21 Oct 2025: Paige Estritori

Reinsurance has emerged as a cornerstone of financial stability for Australian insurers, effectively shielding them from potential losses that could have reached up to $70 billion. In the past financial year, general insurers in Australia invested approximately AUD2.5 billion in reinsurance, a strategic move that has proven invaluable in mitigating the financial impact of increasingly frequent and severe natural disasters. - read more

Suncorp's Earnings Surge and Share Buyback Announcement

13 Oct 2025: Paige Estritori

Suncorp, a prominent Australian insurer, has reported an 8% increase in full-year cash earnings, reaching A$1.49 billion for the year ending June 30, 2025. This performance exceeded analyst expectations and underscores the company's robust financial health. - read more

ASIC's Legal Action Against RACQ Insurance: What You Need to Know

13 Oct 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has commenced Federal Court proceedings against RACQ Insurance, alleging that the insurer misled more than 570,000 customers through deceptive premium comparison figures in renewal notices issued between September 2019 and December 2024. - read more

ACCC Raises Concerns Over IAG's Acquisition of RAC Insurance

05 Oct 2025: Paige Estritori

The Australian Competition and Consumer Commission (ACCC) has expressed significant concerns regarding Insurance Australia Group's (IAG) proposed acquisition of the Royal Automobile Club of Western Australia's (RAC) insurance business. The deal, valued at approximately A$1.35 billion (US$877 million), aims to expand IAG's presence in the Western Australian insurance market. - read more

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Knowledgebase

Peril:
A specific risk or cause of loss covered by an insurance policy, such as fire, theft, or flood.

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