Secure your business with comprehensive coverage that safeguards you, your team, and your tools against unexpected risks and liabilities
Managing the risks associated with your trade business is an important part of running a successful operation. At Angel Insurance Brokers, we help tradespeople explore insurance options suited to their business activities and requirements. Whether you're a sole trader or managing a team, our brokers can assist in arranging cover for a range of risks associated with your trade, depending on the policies available and their terms and conditions.
Trades Insurance can provide access to cover options for key business risks, including public liability, tools and equipment, and commercial motor vehicles. Depending on the policies selected, cover may help manage financial losses arising from third-party claims, property damage, theft or loss of business equipment. This can help tradespeople manage potential risks and focus on their day-to-day operations.
In addition to liability and property-related cover, tradespeople may also consider Personal Accident and Sickness Insurance. Depending on the policy, this cover may provide financial benefits if an insured person is unable to work due to an accidental injury or illness, helping to manage the financial impact of lost income during recovery.
Our experienced brokers can help you assess your insurance requirements, explore available policy options and obtain quotes from insurers based on your trade activities and budget. We aim to make the insurance process straightforward, allowing you to focus on running and growing your trade business.
01Public Liability Insurance may provide cover for claims arising from third-party personal injury or property damage caused by your business activities. Depending on the policy, cover may also extend to liability arising from work performed by your employees or subcontractors.
02Tools and Equipment Insurance may provide cover for loss of or damage to business tools, equipment, portable items and stock due to events such as fire, theft or accidental damage, depending on the policy. This cover can help tradespeople manage the costs of repairing or replacing essential tools and machinery used in their day-to-day operations.
03Commercial Motor Insurance may be available with different levels of cover, including Comprehensive and Third Party Property Damage, Fire and Theft. Depending on the policy selected, cover may extend to insured business vehicles and trailers for specified events, helping manage potential repair or replacement costs following an insured incident.
04Personal Accident and Sickness Insurance may provide financial benefits if an insured tradesperson is unable to work due to an accidental injury or illness. Depending on the policy, these benefits may help offset lost income during periods of recovery.
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Depending on their trade and business activities, tradespeople may consider insurance such as Public Liability, Professional Indemnity, Workers Compensation and Tools and Equipment Insurance. These policies may help manage risks including third-party property damage, personal injury claims and loss of or damage to tools and equipment.
Public Liability Insurance may provide cover for claims made by third parties alleging personal injury or property damage arising from a tradesperson’s business activities. Depending on the policy, cover may extend to legal expenses and compensation payments, helping businesses manage the potential financial costs associated with liability claims.
Workers Compensation Insurance requirements vary depending on the state or territory and the business’s employment arrangements. Businesses may be required to hold cover for employees and certain contractors, depending on applicable legislation. Sole traders are generally not covered for their own injuries under standard workers compensation arrangements and may consider Personal Accident and Sickness Insurance to help manage lost income following an injury or illness.
Tools and Equipment Insurance may provide cover for loss of, theft of or damage to tools and equipment used in business activities. This may include hand tools, power tools and other trade equipment, depending on the policy. Cover can help tradespeople manage the costs of repairing or replacing essential tools, potentially reducing business disruption.
Insurance options may vary depending on your trade, business requirements and budget. Available choices may include different levels of cover, policy options and payment arrangements, depending on the insurer. An insurance broker can help you assess your requirements, compare available options and obtain quotes from insurers to help identify suitable cover.
If you’re ready to secure tailored insurance solutions or have questions, our friendly team is here to help—reach out to us today for expert advice and peace of mind.
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