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Trades Insurance

Australia’s trades and construction sectors face daily risks—from accidental property damage to stolen tools and unexpected injuries. At CIB, we provide tailored insurance solutions designed to keep tradies protected and on the tools.
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Why Trades Insurance Matters

Most trade businesses rely on specialist skills, equipment, and constant movement between sites. A single incident can disrupt your work and lead to significant financial loss. Public liability is commonly mandatory on worksites, and tools, vehicles, and income are essential to keep your operations moving.

  • Public liability protects you if your work injures someone or damages property.
  • Tools and equipment cover can replace or repair stolen or damaged gear, Australiawide.

These needs are echoed across leading Australian tradeinsurance providers, emphasising the importance of fitforpurpose cover for electricians, plumbers, carpenters, builders, concreters, landscapers and more.

Who we help

We assist a broad range of trades, including:

  • Electricians, plumbers, bricklayers, painters and builders
  • Landscapers, concreters, signwriters, and maintenance contractors
  • Plus many other licensed and unlicensed trades, subcontractors and sole traders.
  • If your trade isn’t listed, we can still help—just reach out.

Public Liability Insurance‍

A must have for most trades and often required before you step foot on site.

  • Covers third party injury or property damage caused by your work.
  • Required by many councils, builders and commercial clients.
  • Flexible limits available depending on your trade and project size.

Tools & Equipment Insurance‍

Your tools are your livelihood.

  • Loss or theft of tools and essential equipment.
  • Many insurers offer Australia wide cover and replacement options, including theft in open air on incomplete sites.
  • Ideal for mobile tradies who travel between sites.

Personal Accident & Income Protection‍

If you’re injured or fall ill, regular bills don’t stop.

  • Provides weekly payments while you recover, replacing lost income.
  • Often required on specific worksites or by principal contractors.

Commercial Motor & Ute/Van Cover‍

Many tradies rely on their vehicles for transport, tools, and mobile operations.

  • Covers damage, theft and specialised vehicle fitouts used for trade work.

Business Packs for Trades‍

Comprehensive, streamlined protection that combines multiple covers under one policy.

  • Commonly includes public liability, tools, vehicle and property cover in one bundled solution.
  • Designed for contractors, sole traders, and growing trade businesses.

Take a look at what our clients have to say about us!

We’re committed to exemplary service and ease of transaction while protecting your assets. And if an incident occurs, we’ll support and advocate for you through the entire claims process – negotiating with insurers and third parties to ensure the swift payment of any benefits you’re owed. You’re always our top priority.

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Interested in how we can help you and your business?

With more than 100 years’ experience we take the time to listen and understand your personal or business needs, to identify your exposures and provide innovative cover options and better outcomes so you can achieve your business and personal goals knowing you are protected.

Take A Look At Some Of Our Recent Success Stories

We’re committed to exemplary service and ease of transaction while protecting your assets. And if an incident occurs, we’ll support and advocate for you through the entire claims process – negotiating with insurers and third parties to ensure the swift payment of any benefits you’re owed. You’re always our top priority.

Have questions? Take a look at our FAQ’s here!

We have an honest, open, flexible and authentic customer centric-business relationship, to ensure we fully know our clients, their needs, and appreciate what’s important to you. We are here to guide you through your journey, constantly reviewing and providing  advice on your insurance needs to help you grow.

We are here to protect your assets with exemplary service, ease of transaction, and prompt claims settlement – you are always our priority.

Check out our resources for industry insights as well as tips & tricks

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We’re committed to exemplary service and ease of transaction while protecting your assets. And if an incident occurs, we’ll support and advocate for you through the entire claims process – negotiating with insurers and third parties to ensure the swift payment of any benefits you’re owed. You’re always our top priority.

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