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WHAT IS…

Tradies Public & Product Liability Insurance?

Tradies Insurance provides protection against the financial risk of being found liable to a third party for death or injury, loss or damage to property, during the course of your work (Public Liability) or after your work has completed (Product Liability).

Don’t risk it, protecting your personal assets and business has never been easier. Insurance for Tradies gives you the peace of mind and security to keep doing what you do best.

Questions? We can help

Tradies, don’t break the bank with your insurance...

The cover HIA Insurance Services arranges is more competitively priced than you might think! With one of the most competitively priced insurance covers designed for tradies, get a quote online and see for yourself.

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What is covered?

Cover options

Tools, equipment and machinery(optional)

Your tools, equipment and machinery are critical in performing your job on a daily basis. Trades Pack insurance offers you optional cover for the value you would like to protect your tools, electrical equipment (including mobile and tablets) and machinery.

Material Damage
Public and Products Liability
Public and Products Liability

Protection in case a third party is injured during the course of your work or by your finished product, also if damage is caused to third party property. Choose a level of cover to suit you:

$5M    |    $10M    |    $20M

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Material Damage
Broad protection for the insured works in respect of accidental damage covered events including fire, theft, water damage, Flood, malicious damage, storm and cyclone, landslip and earthquake.

Protection for your build/s throughout the entire contract period of construction.
Up to the total sum insured. Up to the total sum insured.

Existing Structures Cover
Cover that extends to protect existing dwellings when you are renovating or building and adding to an existing structure.

No need for further cover extensions to protect property on top of what’s insured in the contracted works.
Subject to the sub-limits specified in the coverage summary

Display Homes Cover
Automatic cover on display homes up to $500,000 on buildings, $50,000 for contents, and $10,000 for art during the insurance period.

Showcase your work and secure your next project with the peace of mind you need knowing you're covered whilst onsite.
Up to a total limit of $1,500,000 for the policy period.

Search & Locate Cause of Damage/Defects
Cover for costs spent to identify the cause of a defect or damage, such as discovering why a drain is blocked or identifying what’s causing water damage to internal walls.

Prevents you from having to entirely pay for discovering what’s causing something to not work properly.
Up to a limit of $50,000.

Legal Liability Claims
Cover for legal fees, settlements and court costs arising from defending a claim for third party personal injury or property damage.

Cover for legal fees, settlements and court costs you incur from defending certain claims.
Up to the limit of your liability cover including reasonable legal expenses. Up to the limit of your liability cover + reasonable legal expenses.

Public Liability & Product Liability
Protects your legal liability if you are held responsible for third party personal injury or property damage in your business activities and post-completion of the contracted works.

Covers you for your legal liabilities in relation to the contracted works during and after the job is complete.
Up to the sum insured. The choice is yours:
- $5M
- $10M
- $20M
Up to the sum insured. The choice is yours:
- $5M
- $10M
- $20M

Access to Remove & Restore Cover
Cover for costs to de-water, demolish or remove undamaged building works and gain access to allow repair.

Saves you from having to pay for the removal of part of the works to repair and continue with the build.
Up to a limit of $25,000.

Mitigation Costs
Cover for costs expended to prevent imminent Damage or mitigate the extent of further Damage, up to a limit of 5% of the contract value.

Stops you from being entirely out of pocket when it comes to preventing covered damage to insured property for your build/s.
Up to 5% of the contract value. Up to 5% of the contract value.

Subcontractor Negligence
Cover includes protection in circumstances where, due to a subcontractor’s actions on site, you are considered vicariously liable.

The peace of mind of knowing your interests are protected for your subcontractors work for which you could be vicariously liable.
Up to your liability cover limit. Up to the liability cover limit you choose.

Professional Fees
Cover for the costs of re-engaging architects, engineers, surveyors and consultants, up to 10% of the contract value.

Minimises the bill your business would have to foot if specialists needed to be brought in during a build.
Up to 10% of the contract value. Up to 10% of the contract value.

Automatic Contract Value Increase/Escalation
Where, during the construction period there is an increase in value of an insured contract, the contract value under the coverage will increase automatically.

Cover for if or when the cost goal posts shift and the contracted works is more expensive than initially insured for.
Up to 15% of the contract value as specified in the schedule. Up to 15% of the contract value as specified in the schedule.

Removal of Debris
Cover for the demolition and disposal of contract works, including the removal of debris and silt, regaining access to the site and restoring work conditions, up to 10% of the contract value.

Saves you from having to pay for the removal of debris if a covered event happens to get you back on-site fast.
Up to 10% of the contract value. Up to 10% of the contract value.

Business Premises
Cover includes protection in the event of an accident occurring at your business premises such as your office or workshop.

Cover for if accidents happen where you’re working.
Up to the liability cover limit you choose.

Materials in Storage
Cover for damage to materials to be used in the contract works that are in storage off-site but within the area specified in the contract, whilst awaiting transit to the build site.

Allows you to concentrate on the job without worrying if your off-site resources are safe until needed.
Up to the limit of the contract value. Up to the limit of the contract value.

Materials in Transit
Cover for damage to materials to be used in the contract works whilst in transit arising from fire, storm, flood, collision and/or overturning of the transportation, or by theft or malicious damage.

Cover for resources stored off-site that get damaged on the way to your build.
Up to the limit of the contract value. Up to the limit of the contract value.

Tools of Trade
On-site cover for tools used to produce the contracted works.

Cover for tools used on-site.
Available as an optional extra. Up to a limit of $20,000.





 
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Frequently Asked Questions

What does tradies tool cover protect you for?

Our optional cover for tools of trade covers you for lost, destroyed or damaged tools while contained in your vehicle or in any full enclosed building including your home, locked shed or garage, work or building site.

What kind of events are covered by tradies tool insurance?

• Fire, malicious and accidental damage.

• Forcible entry and theft when the building and worksite is unattended.

• Theft onsite during work hours provided reasonable precautions to prevent theft have been taken.

Have further questions?
Contact us at 1800 762 878

The HIA Insurance Services Tradespack Policy is arranged by HIAIS on behalf of the insurance issuer, QBE Insurance (Australia) Ltd, ABN 78 003 191 035, AFSL 239545, ABN 28 008 485 014. If you purchase this insurance, HIAIS will receive a commission that is a percentage of the premium. Further information can be found in HIAIS’ FSG or provided upon request.
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