Trades Cover Insurance Articles

Trades Cover Insurance recommends the following articles which we hope you find of interest.

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Trades Insurance Articles

Income Protection Insurance: A Must-Have for Tradies

Income protection insurance is designed to offer financial security when you're unable to work due to illness or injury. It provides a steady income, usually up to 75% of your pre-tax earnings, helping you maintain your lifestyle while you focus on recovery. - read more

Essential Insurance Cover Every Australian Tradie Needs

Australia's tradies - our skilled tradespeople - are the backbone of the economy. They keep industries running smoothly, tackling everything from construction and electrical work to plumbing and carpentry. Their skills are in high demand, making the tradie industry a crucial part of Australia's workforce. - read more

How to Protect Your Tools and Equipment with the Right Insurance

For tradies across Australia, tools and equipment are vital to their daily operations. Imagine waking up to find that your essential tools have been damaged or stolen. The financial impact can be significant, affecting not only your ability to work but also your potential earnings. - read more

Public Liability Insurance for Small Trade Business Owners

Public liability insurance can help small trade business owners manage the financial impact of third-party injury or property damage claims connected with their business activities. For Australian tradies working on-site, in clients' homes or around other people's property, understanding how this cover works is an important part of managing business risk. - read more

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Insurance News

Why Insurance Pricing Scrutiny Matters for Tradies

16 Sep 2026: Paige Estritori

Fresh regulatory attention on insurance pricing practices is a timely reminder for Australian tradies to look past the headline premium and check whether the policy they are paying for still matches what was promised. ASIC has again put insurers on notice over the need for fair, accurate and well-controlled pricing systems, particularly where customers are told they will receive discounts, loyalty benefits or other premium adjustments. - read more

Why NSW Levy Reform Matters for Trade Businesses

09 Sep 2026: Paige Estritori

A fresh push to reform how NSW funds emergency services has put insurance affordability back in the spotlight, especially for small businesses that already feel every increase at renewal time. The issue centres on the Emergency Services Levy, which is applied through many insurance policies and has long been criticised by parts of the insurance sector as a disincentive to maintaining adequate cover. - read more

Cyclone Insurance Review Puts Northern Tradie Risks in Focus

02 Sep 2026: Paige Estritori

A fresh review of Australia’s cyclone reinsurance pool has put insurance access and affordability back in the spotlight for communities and small businesses across northern Australia. The pool was designed to reduce pressure on premiums for cyclone and cyclone-related flood damage by giving insurers access to government-backed reinsurance. - read more

What Stronger Insurer Results Mean for Tradies at Renewal Time

26 Aug 2026: Paige Estritori

APRA’s latest general insurance statistics point to a sector that is in a stronger financial position than it was during the worst of recent inflation, repair-cost and catastrophe pressures. For Australian tradies, that sounds positive at first glance: a well-capitalised insurance market is better placed to pay claims, support recovery after major loss events and keep products available across higher-risk occupations and regions. - read more

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Knowledgebase

Insurance Deductible:
That part of an insurance claim that must be paid by an insured person before the the balance is paid by the insurer.

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