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Insurance For Trades Income Protection Insurance Calculator

Find out how much monthly disability income protection insurance you qualify for. Use our calculator to estimate cover levels tailored to your income and needs.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Simply enter your personal gross income in the space below, select the frequency that you receive your current income and press [calculate] to determine the amount of cover you qualify for.

Gross Income: Per:

* Notes:

  • Most insurers limit the amount of income insurance that you can buy to 75% of your gross income.
  • If you are self-employed or operate your own business you may qualify for additional cover and benefits.
  • Your Gross Income figure should represent only your income from personal exertion, not investment income.
  • This calculator is provided as a rough guide only. You should seek professional advice from a licensed income insurance specialist before making decisions relating to something as important as income protection insurance!

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Trades Insurance Articles

Why Comprehensive Insurance is Crucial for Your Trade Business
Why Comprehensive Insurance is Crucial for Your Trade Business
Comprehensive insurance is a type of coverage that protects your trade business from various risks and unforeseen events. It typically includes an array of policies that cover different aspects of your business operations. - read more
Why Every Tradie Needs Tailored Insurance: Protecting Your Livelihood
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
Understanding Workers' Compensation Insurance for Small Trades Businesses
Understanding Workers' Compensation Insurance for Small Trades Businesses
Workers' compensation insurance is a form of insurance that provides financial protection for businesses and their employees in the event of workplace injuries or illnesses. It ensures that workers receive the necessary medical treatment and compensation for lost wages if they are hurt on the job. - read more
Insurance News

Declining Construction Insurance Premiums: A Boon for Australian Tradies
Declining Construction Insurance Premiums: A Boon for Australian Tradies
07 Dec 2025: Paige Estritori
In 2025, Australia's construction insurance market has experienced a significant shift, with premiums decreasing across various lines due to intensified competition among insurers. This trend is particularly beneficial for tradespeople, commonly known as 'tradies,' who are witnessing more affordable coverage options. - read more
Upcoming Insurance Mandate: NSW Builders Must Act Before 2026 Deadline
Upcoming Insurance Mandate: NSW Builders Must Act Before 2026 Deadline
07 Dec 2025: Paige Estritori
In a significant regulatory development, registered building practitioners in New South Wales (NSW) are now required to secure professional indemnity (PI) insurance by July 1, 2026. This mandate, stemming from the Design and Building Practitioners Act 2021, underscores the importance of comprehensive risk management for tradies operating within the state. - read more
Rising Claims Costs and Labour Shortages: Challenges for Australian Insurers
Rising Claims Costs and Labour Shortages: Challenges for Australian Insurers
07 Dec 2025: Paige Estritori
Australian insurers are currently navigating a complex landscape marked by escalating claims costs, primarily driven by labour shortages and supply chain disruptions within the construction sector. These challenges have significant implications for tradies and the broader insurance industry. - read more
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Knowledgebase
Professional indemnity:
An insurance that provides cover for liability incurred in the course of exercising a profession.