About Insurance For Trades

At Insurance For Trades, we take pride in being a key member of the Financial Services Online network, managed by Clark Family Pty Ltd, A.C.N. 010 281 008. Our mission is to empower Australian individuals and businesses by providing access to the finest financial products, services, information, and advice through the digital landscape.

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Trades Insurance Articles

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Preventative Measures: Reducing the Risk of Work-Related Injuries

Preventing injuries in the workplace is essential for ensuring the safety and well-being of employees. It also plays a critical role in maintaining a productive and efficient working environment. When workers are safe, they are more likely to remain healthy, motivated, and engaged with their tasks. - read more

Affordable Insurance Options for Small Trade Businesses in Australia

Running a small trade business in Australia involves various risks, from accidental property damage to unexpected injuries on the job. These unforeseen events can lead to significant financial losses, which might be challenging for smaller enterprises to absorb. That's where comprehensive insurance comes into play. - read more

Why Every Tradie Needs Tailored Insurance: Protecting Your Livelihood

In Australia, tradies are the backbone of many local communities, providing essential services in fields such as construction, plumbing, electrical work, and more. These skilled professionals often operate their own businesses or work as contractors, making financial stability paramount. - read more

Insurance News

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AFCA Rules on Disputed Car Insurance Payout

22 Aug 2025: Paige Estritori

The Australian Financial Complaints Authority (AFCA) has decided against a man's claim for a car insurance payout, which he pursued following a dispute with his ex-wife. The issue arose when the man's Toyota Landcruiser was involved in an accident in April, prompting him to file for a cash settlement of $55,950. However, the ex-wife, who held the insurance policy, later blocked his access to the payout. - read more

APRA Addresses Home Insurance Affordability Challenges with New Initiatives

22 Aug 2025: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has highlighted the ongoing challenges of home insurance affordability, emphasizing that the issue remains complex despite a recent moderation in reinsurance costs. APRA Chair John Lonsdale noted that multiple factors contribute to this difficulty, not solely reinsurance expenses. APRA is actively engaging with insurers, government agencies, and the private sector to address these affordability issues. - read more

ASIC Calls for Revamp in Life Insurance Sales and Service

21 Aug 2025: Paige Estritori

The Australian Securities and Investments Commission (ASIC) has issued a call to action for life insurance companies, urging them to enhance their product offerings and sales processes. While acknowledging some progress since the Hayne Royal Commission, ASIC highlights ongoing issues within the industry. The regulator emphasized the importance of centering strategies around customer needs, particularly as companies aim to expand direct-to-consumer sales. - read more

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Dictionary

Replacement Cost

noun

The amount it would cost to replace or rebuild an insured asset with one of similar kind and quality, without depreciation.