Trades Package

Protect your business

  • Protection for a variety of trades including plumbers, electricians, painters, mechanics and more
  • Cover for your tools if they are lost or stolen
  • Cover that can be tailored to suit the individual needs of your business

Insurance cover designed specifically for tradies

Insurance cover for tradies is very important. What happens if you’re injured or your tools are stolen? Will you be allowed on site if you don’t have suitable insurance? Get peace of mind knowing you are protected.

  • Protect your business from the cost of liability actions for both property damage and personal injury
  • Cover for theft of all trade tools and equipment in Australia

Our partners at QBE will build your trades insurance package to suit your needs, including cover for:

  • Property

    Buildings, contents and stock against fire, impact, storm, vandalism, explosion and other perils. Plus architects, surveyors and legal costs, removal of debris and temporary protection of their premises.

    For example a fire damages your business premises. QBE will cover the costs of repairing your premises and replacement/reimbursement for your contents and stock.

  • Broadform liability

    Legal liability to pay compensation for personal injury or property damage, including optional extensions relevant to specific electrical and motor trade occupations.

    For example a member of the general public trips and falls while on your business premises. QBE will cover the legal cost and damages if you are found liable.

  • General property

    Property used away from the business premises, such as tools of trade, laptops and mobile phones.

    For example your laptop is stolen from your locked vehicle. Where this item has been specified in the Schedule QBE will replace the laptop including any carry case.

  • Tax audit

    Professional fees paid in connection with an audit or investigation related to liability to pay tax.

    For example your business is being audited by the ATO. QBE will pay for fees of an accountant engaged by you in connection with the audit.

  • Transit

    Loss or damage to goods while in transit by road, anywhere in Australia, on a vehicle owned or operated by the insured.

    For example your goods are damaged in a collision whilst in transit in your vehicle. QBE will pay to replace the items damaged by you.

  • Statutory liability

    Investigation and defence expenses, including some penalties, arising from any breach of environmental or occupational health and safety legislation.

    For example your business is being sued for breaching OH&S legislation. QBE will pay for the investigation and defence costs.

  • Employment practices

    Employment related wrongful acts committed against an employee.

    For example your business is being sued for defamation. QBE will pay the damages awarded against you, if you are found liable.

Can we also suggest?

Important things you should know: This is only a summary of the benefits included with your insurance policy. QBE Insurance (Australia) Limited ABN 78 003 191 035 AFS Licence 239545 is the issuer of this Business Insurance. The product is not a product of, nor guaranteed by, Bankwest. Any advice given in these pages is of a general nature only and has been prepared without consideration of your objectives, financial situation or needs. You should consider this information in light of your objectives, financial situation or needs before acting on the information. To decide if the product is right for you and for full terms and conditions (including limitations and exclusions), please read the Policy Wording. Bankwest will receive a commission payment of up to 15% of the premium for a policy sale. To find out how we manage your personal information, please see our Privacy Policy.

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