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Insurance for Tradies

Public & Products Liability insurance for tradies and subbies looking to protect their businesses.

Starting from $374 per year.

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upcover protects you in just a few clicks while you fix things for your clients!

As a tradie, you help your clients with all sorts of trade services. Whether working as an electrician, a plumber, a handyman, or anything in between - you are often required to have insurance, and in the case of some licensed trades, even mandatorily purchase it. The the unpredictable nature of accidents make it hard to prevent and the costs of being sued can be extraordinarily high.

With upcover's insurance providing cover for tradies and subbies, you can now tidy things at your clients premise, repair that broken pipe or fix that electrical lighting issue, without the fear of hurting someone or damaging your clients property, all at affordable prices!

Get the best of both worlds!

With upcover's insurance for tradies , you can now buy public & products liability at an affordable combined price - with added benefits too.
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Select from public & products liability insurance limits of up to $20m.
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WHO WE COVER

It's quick, it's easy, it's upcover

With upcover, protecting yourself and your work is as easy as checking when your next job is!

upcover offers insurance cover for the following trade businesses:
Air Conditioning / HVAC
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Carpenter
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Concretor
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Electrician
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General Contractor
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Handyman
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Renovators
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Painter
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Plastering & Gyprock
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Plumber
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Roofing
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Other 50+ Trade Professions
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Protect what you've perfected over years of hard work!

upcover saves time and effort by offering one affordable insurance product that covers both third party injuries and advice related complaints.

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PROTECTS you for

How does this insurance protect tradies & subbies?

upcover saves time and effort by offering one affordable insurance product that covers both third party injuries and product related liabilities.

upcover offers insurance that blends public liability and products liability insurance, offering you tailored insurance solutions for trade businesses and contractors at affordable prices

Public & Products Liability insurance for trade professionals (Limits up to $20m)

Public liability insurance protects your trade business against liability if someone gets injured on your site or while you are providing your services.
Products liability insurance is for claims made against your trade business for products supplied or sold by you to a third party. This might be a claim arising from a faulty product or a product that injured someone.

Public liability insurance covers cases including:

Third Party Injuries

Your client trips over some of your equipment on the job site.

Property Damage

The home owner trips over a running cable while you're drilling, breaking their ankle.

Faulty Products

You install a power point that shorts out your clients brand new washing machine.

Get your certificate of insurance in a matter of minutes!

Whether you need tradies insurance to win clients for your business or to get that renovation job, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with one click!

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COMING SOON

Other insurance requirements of trade businesses?

Equipment insurance

Your trade business depends as much on having the right equipment as it does on your skills and prowess. Getting your equipment ready is an expensive and time-consuming process. Having done that, you want to ensure it's protected and that your investment remains safe. This is where equipment insurance comes into play.

This insurance protects your equipment - owned, rented or borrowed.

Cyber Liability Insurance

If you have personal or sensitive information of your clients, you might also want to look at cyber liability insurance. Cyber liability insurance provides coverage from losses due to a cyber-attack event and legal protection from claims arising out of a cyber breach.

Business package insurance

Business package insurance is aimed at business owners and is a comprehensive solution that protects owners against some of the main risks in running a business.

Personal Accident and Illness Insurance

Personal accident and illness insurance comes in handy for times you cannot work owing to an injury or illness.  

Personal accident and illness insurance helps with loss of income for periods you can't work.
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FAQs

You Ask, We Answer

What trade occupations are covered under Public & Products Liability?

The following occupations are covered under insurance for tradies & subbies:

- Air Conditioners / HVAC
- Carpenters
- Concreters
- Electricians
- General Contractors
- Handymen
- Painters
- Plasterers
- Plumbers
- Renovators
- Roofers
- Tilers
- Welders

+ more!
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What can a tradie be sued for?

While we hope it doesn't happen, trade workers can potentially be sued for: 
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• Covering medical costs (current and future) for a client or third party that is injured
• Loss of a client or third party's earning capacity when the client is off work
• Additional compensation if the damage to the client or third party is permanent/long-lasting
• Mental trauma, pain and suffering of the client or third party from the injury

What limits are available with upcover?

You can get covered today with tailored tradies insurance that provides public & products liability insurance limits available up to $20m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”). upcover markets insurance products and services on behalf of Armada. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance offered on upcover.com is underwritten by Professional Risk Underwriting Pty Ltd ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”). Armada, ProRisk and upcover and their employees act as agents of Swiss Re, not as your agent. Neither ProRisk, Armada or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2024 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078