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Tools of the trade: insurance for tradies


Throwing your toolbox in the back of the ute (or van) is simply a part of a tradie’s daily routine – you wouldn’t roll up to a job site without the right tools, you’d be laughed out of the place. Insurance is just another tool of the trade that you shouldn’t leave home without. Whether you’re a chippy, sparky, or bricky, make sure you’re covered with the right type of insurance. Explore your insurance options below and find out what type of insurance fits in your toolbox.

Public liability insurance to cover your backside

What is public liability insurance? Public liability insurance is your protection if you’re found to be legally responsible for personal injury to a third party or damage to their property. And it’s one of the top 3 insurance claims for tradies. A job site can be a busy, hazardous place; if a customer or visitor trips over a tool on the floor and breaks an arm, then public liability insurance can help cover your backside from liability.

Commercial motor insurance to cover your wheels

Being out of action because your ute, van or car has been banged up or pinched is money down the drain and a massive pain in the you know what. Having some form of commercial vehicle insurance can help cover you from a range of insured events, such as accidental damage to your vehicle and legal liability. Find out more about commercial motor insurance now.

Portable and valuable items cover for your tools

Only a poor tradie always blames their tools, however, it can be pretty tough to do a job right without them. And if your work tools are damaged, lost, or stolen they can be pretty expensive to replace. That’s why having some form of portable valuables insurance can help make sure your tools of the trade are covered. You can even get cover for a work-use mobile phone or GPS, as well as that swish new angle grinder or drill you’ve been showing off. Just make sure that if your swish new tool is worth more than $2,500, it’s specified on your policy. Find out more about portable and valuable items cover now.


There’s no doubt that a tradie’s work can be hard yakka, with a variety of different obstacles to overcome every day. This is why you need insurance that’s right for you. Insurance that covers the particular needs of your trade can be a helpful tool, covering your liabilities, commercial vehicle, and your tools. Have a chat to an AAMI Business Insurance specialist on 13 22 44 (8.30am – 6pm AEST/AEDT, Mon-Fri), or get a quote online now.

AAMI Business Insurance is issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Please read the relevant Product Disclosure Statement before you make any decision regarding this product. The Target Market Determination is also available.