Trades Insurance – Gold Coast Insurance Brokers
Trades insurance isn’t one policy — it’s liability, tools, vehicles, contracts, property damage and on‑site risk rolled together. The right cover depends on the work you actually do and the sites you work on.
Gold Coast Insurance Brokers helps tradies and contractors arrange practical insurance — including public and products liability, tools and equipment, contract works (where appropriate), and business cover options where needed. As brokers, we help compare options and place cover that fits your contracts and budget.
Need trades cover sorted?
✅ What trades insurance is designed to protect
Most tradies need a mix of covers depending on the trade, sites, contract terms and tools/gear values. Common sections include:
- Public & products liability — injury or property damage claims arising from your work (and products supplied).
- Tools & portable equipment — theft/damage of tools and gear (including from vehicles, subject to conditions).
- ️ Contract works / works in progress (where appropriate) — damage to the job while it’s being built/installed.
- Business property (where applicable) — workshop/yard contents, stock and business contents.
- Vehicles, trailers and plant (where needed) — commercial motor or specialist placement.
⚠️ Common gaps we see (and how to avoid them)
- Trade description doesn’t match reality: the declared activity is too broad or too narrow.
- Contract requirements missed: principals often require specific limits, interested parties or clauses.
- Tools theft conditions: storage, security and evidence requirements can bite.
- Subcontractors & labour hire: who is responsible for what can be unclear at claim time.
- Higher-risk tasks: some activities need to be declared or may be excluded.
Most disputes happen when the paperwork doesn’t match the job. Broker-led placement aligns your actual work, contracts and tool values to a policy designed to respond.
Quick checklist before you renew
- Tools list/value changed (new gear, higher replacement costs)?
- New contract requirements (limits, interested parties, special clauses)?
- New vehicles/trailers/plant or different use?
- More subcontractors or labour hire involved?
- ️ Doing different work types (height, hot works, excavation, etc.)?