Tradesman Insurance

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What is Insurance for Tradesmen?

Business Insurance is a lot like spare keys, toilet plungers or those extra batteries that float around your toolbox – you think you’ll never need them, but they are there when you need them the most.

But while overflowing toilets and carpooling can be inconvenient, not insuring your business can leave you and your business in a world of drama.  At BizCover, we know one thing: life is already dramatic, but your business insurance doesn’t have to be!

Any tradie worth their salt knows the importance of protecting their customers, staff and business. And while your OH&S plans may be top-notch, accidents can happen and you may need to be financially protected for when they do.

Who Needs Insurance for Tradesmen?

Whether you’re a a sole trader or a jack-of-all-trades, you know the amount of hard yakka that goes into a day at the office! Being a tradie no two days on the job are the same, and when a spanner gets thrown into the works, that’s where business insurance can help save the day.

Maybe you’re running a one-man band or have a hive of workers helping you get the jobs the done. Business insurance can be tailored to suit the risks and needs of your unique tradie business, no matter how big or small.

Did You Know?

Did you know that Portable Equipment insurance can protect your tools anywhere in New Zealand? Portable Equipment only provides cover for you tools in the event they are lost or stolen.

Insurance for Tradesmen

Public Liability*

Don’t get stuck between a wall and hard place by not having Public Liability insurance. It’s a crucial form of cover to protect you and your business against claims arising from third party property damage and accidental injury (not covered by the ACC).

Even if you’re the best in business, accidents can and do happen – it could be knocking down the wrong wall or accidentally damaging an expensive piece of artwork. So don’t be a tool and get yourself the right cover for when things go a little haywire.

If you’re working as a contractor or are a member of a trade association, make sure you check to see if there’s a minimum level of cover required.

Business Insurance*

Your tools are essential to your business and the very reason why you nail those jobs! Chances are you have a few in the toolbox too, and when you do the math, they would be worth a fair few bob.

Thankfully, Portable Equipment cover will ensure peace of mind by ensuring you won’t be left out of pocket if they are lost, damaged or stolen.

Protect your business today.

Tradesmen covers a broad range of professions.

  • Carpenters & Woodworkers
  • Garden & Lawn Maintenance
  • Electricians
  • Painters
  • Handymen
  • Bricklayers
  • Plumbers
  • Tilers
  • Concreters

Claim examples**

A landscaper working at a private residence needed to hire a small item of plant to complete the job. Whilst operating the machinery he accidentally lost control and damaged the side of his client’s house. Fortunately, the landscaper had Public Liability cover and his insurer quickly agreed that the third-party property damage arose out of the operation of the insured’s business activity and settled with the homeowner’s own insurer within a week. Importantly though, the insured has continued to do business for that customer.

Frequently Asked Questions (FAQs)

What is the difference between Public Liability and Portable Equipment insurance?

Public Liability insurance covers you if a third-party claim that your negligent business activities caused them injury or property damage or personal injury (not covered by the ACC). This includes defence costs cover.

How much does business insurance cost?

To receive an accurate idea of the cost involved get a quote with BizCover today

Why should Tradies choose BizCover for their Insurance?

At BizCover, our task is to make insurance a stress-free experience. Our platform is designed to help you compare quotes and get the right cover you need so you can get back to more important things like running your business. But if you are still not convinced, here are a few other reasons why you should choose BizCover for your insurance.

New Zealand’s number one online insurance company

We take pride in the 10,000 small businesses we have helped already… and counting.

Clear and competitive pricing

Our platform is as clear as the Aotearoa air and as competitive as the All Blacks. You can compare and choose from a range of competitive prices right from your computer.

Built for small business

At BizCover we know what insurance tradies need. We also know makes small businesses tick.

We won’t bore you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English. If you want to brush up on your Latin, look elsewhere.

How do I make a claim on my insurance policy?

Are you a tradie that needs to make a claim? No worries at all! We’re here to assist you through the process and get you back to business. Simply download, complete the Claim Notification Form and return to We’ll manage the process with the insurer for you, while our dedicated claims consultants keep you informed every step of the way. Alternatively, if you would like to contact us by phone, our customer service team are here to help you on Ph. 0508 249 268.

**The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this page is general only.  Coverage for claims on the policy will be determined by the insurer, not BizCover NZ, and will depend on the specific facts and circumstances involved.

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Need Help?

Visit our Contact Us page, where you can find out how to get in touch with one of our business insurance professionals. 

You can also access quick links to our self-service portal, where you can download your Certificate of Currency, update your payment details, amend your cover and download your policy documents. 


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