Insurance for Tradies
Prepare for the unexpected with business insurance. Find cover for your trade – chippie, bricky, sparky and more!
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From multiple insurers
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Buy online in minutes
Save Money
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Instant Cover
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On this page:
What is tradie insurance?
Business insurance helps tradies like you protect your growing business. Depending on the cover you choose, it could help you manage costs like lost tools, property damage, and legal expenses.
Mistakes and accidents can happen no matter how careful you are.
Damage to a client’s property, an injury on-site, tool theft, a natural disaster – the potential troubles for a tradie never end. Any of these situations could result in hefty costs for your business. If you couldn’t afford to pay them out of pocket, it may be time to consider preparing for the unexpected with business insurance.
Why might tradies need insurance?
Business insurance isn’t mandatory in NZ for most businesses, but you may be required to have a policy to do things like:
Enter a jobsite.
Lease a workshop.
Work as a contractor or sub-contractor.
Pay legal costs if you face a liability claim.
Types of tradie businesses we cover
BizCover has insurance options for a whole roster or tradie occupations.
If you don’t see a match below, it doesn’t mean we can’t cover you.
Builders
Constructs, and installs buildings for residential or commercial use.
Installs, repairs, and maintains pipes, fixtures, and systems for water, gas, and sewage.
Paints, varnishes, and applies other finishes to buildings, walls, and surfaces.
Constructs, installs, and repairs structures and fixtures made of wood and other materials.
Electricians
Installs, maintains, and repairs electrical systems and wiring.
Bricklayers
Constructs and repairs walls, partitions, and other structures using bricks, and stones.
Repair, maintenance, and improvement tasks around homes and businesses.
Roofers
Constructs, installs, and repairs roofing materials.
Concreters
Pours, levels, and finishes concrete for various construction projects.
Can’t see your tradie business listed above?
It doesn’t mean we don’t cover it. Start with a quote to find your occupation, compare cover options and buy online in minutes.
14000+ NZ
small business covered
Types of cover we offer tradies
BizCover has insurance options for builders, sparkies, plumbers and many more.
Tailor your quote to your business, compare cover, and buy online in minutes.
Unsure what types of business insurance to get? We’ve got you! Here’s what other tradies tend to choose:
Popular cover types for tradies:
Tradies could also consider:
Other Covers
Professional indemnity Insurance
Covers costs of claims from a customer alleging you:
- Gave incorrect advice, even if you’re not at fault
- Made a miscalculation
- Lost documentation
- Failed to meet a deadline
Contents (Property) Insurance
Covers the money, equipment, stock, and glass you keep in your building against:
- Theft or break-in damage
- Storm damage
- Fire
Building Insurance
Covers the building you own and operate out of for the cost of repair or rebuild caused by:
- Malicious damage
- Storm damage
- Fire
How much does tradie business insurance cost?
Your tradie business is unique. That means you might face different risks than the tradie down the street and may pay a different price for your cover.
With BizCover, insurance can be tailored to fit the size, risks, and needs of your business.
The prices are real, get that new policy feel
Public Liability
$32/mo*
Expected average cost
Tool Cover
$80/mo*
Expected average cost
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Tool Cover
Pick cover for the value of your tools
Customise your cover up to $1M
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Tools & Portable Equipments
$80/mo*
Expected average cost small businesses to pay
Public Liability
$32/mo*
Expected average cost small businesses to pay
Factors influencing cost
Your Industry
Required Coverage
Your Turnover
Number of Emplyees
Claims History
Click here to check industry wise average prices
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
Get cover that works with the risks of your business
You can select from 5 different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Tool Cover
Pick cover for the value of your tools
Customise your cover up to $1M
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today.
Select Profession
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Add Business Details
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Search your
Occupation
Choose your
Cover(s)
Enter Business
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Today
How it works – making a claim
We’ll assist you through the claims process & manage your claim directly with the insurer.
Let us know Fill out our claims form and provide info to support the claim
Receive extra support We will assist you with your claim
Claim results We will notify you of the claim outcome.
Let us know Fill out our claims form and provide info to spport the claim
Receive extra support We will assist you with your claim
Claims results We will notify you of the claim outcome
Our Insurers
We work with a selected group of trusted NZ insurers to offer you great cover.
The savings are real
See how much others have saved while purchasing policy through Bizcover
Martin
Gardener from
Christchurch
Saved
$2,000
on
Public Liability, Statutory Liability
& Employers Liability
Vicki
Management Consultant
from Napier
Saved
$1,500
on
Professional Indemnity &
Public Liability
Ian
Plumber from
Picton
Saved
$600
on
Public Liability&
Statutory Liability
Yvonne
Councellor from
Rotorua
Saved
$100
on
Public Liability &
Professional Indemnity
^ Savings made from January 2023 to July 2024. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
What sets BizCover apart?
We are not just a comparison and buy site.
Make Claims Online
We’ll manage the process on your behalf with the insurers.
Flexi Payment Options
Pay monthly or annually, cancel at any time.
One Stop Shop
Manage multiple cover types in one place.
Easy Renewals
Optional automatic renewal to stay protected.
Frequently asked questions
Confused about insuring your trades business? We have answered the most common questions we get here.
If you still have questions, you can reach one of our friendly business insurance experts click here
Tool & Portable Equipment insurance covers the cost of the things you take on-the-job with you anywhere in New Zealand.
Contents insurance covers the things which stay on your premises.
Both cover damage caused by storm, fire, and theft or break in, but Contents (Property) protects the money, equipment, stock, and glass in your building, while Building Cover protects the building you operate out of.
Tool & Portable Equipment insurance can cover you if your tools are stolen from your locked van, ute, or work vehicle. When you make a claim, we will assess if the stolen equipment was stored securely.
Unfortunately, BizCover does not currently offer Business Vehicle Insurance. However, we can help protect the tools of trade and portable equipment securely stored inside your work vehicle with Tool & Portable Equipment insurance.
So, if your tools are stolen from your locked ute or van, your policy can help replace them (subject to the policy terms).
Hear from our customers
Real-life customer reviews verified by Feefo
Efficient
Trusted Customer
Efficient and great price
Quoted and bought insurance online, very quick and a great price.
Definitely worth
Burnett B
BizCover is definitely worth their word. Quick easy understandable cover
Straight forward
Trusted Customer
It is very straight forward and easy to understand and you can choose whatever you need for your business.
Easy to choose
Pavan K
Easy to choose business insurance. The search and the options provided were very simple and straight forward, didn’t expect it to be that easy.
Fast, friendly and efficient
Kylie T
The customer service agent was excellent. He explained to me clearly all the questions I had. Can’t be beat on price for the policy I needed and I was contacted within half an hour of my enquiry. Policy was confirmed on the phone. Excellent.
