Insurance For Trades :: Calculators

Share this calculator!

Insurance For Trades Trades Insurance Calculator

Estimate your trades insurance needs with our Trades Insurance Calculator. Work out the right levels of cover to protect your trades business and your financial livelihood.

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

Trades / Contractors – Insurance Calculator

For carpenters, electricians, plumbers, painters, roofers, tilers, landscapers and more. Totals your property replacement values, suggests a Public Liability limit, and estimates a Contract Works – any one contract limit. Not a quote or advice.

Business details

Trade

Team size (incl. you)

GST treatment Most trades claim input tax credits → ex‑GST sums.

Financier (optional)

Tools & portable equipment

Hand tools, cordless kits, lasers, test gear, laptops/tablets. Portable/away‑from‑premises cover

Plant & machinery

Compressors, generators, welders, concrete mixers, small plant, forklifts (unregistered).

Site gear & temporary structures

Scaffold, site sheds, hoardings, fencing, signage, tarps.

Materials on site (contract works)

Timber, piping, cabling, fixtures awaiting installation. Stored at site or in transit

Materials total

Goods in transit total (optional)

Hired‑in plant (optional)

Hired‑in plant limit

Estimated days hired per year

Public Liability – limit suggestion

Contract/principal required limit

Single‑loss property exposure (site value)

Work at height >10m?

Excavation/underground >1.5m?

Hot works on client sites?

Use subcontractors?

Contract Works – any one contract (suggestion)

Largest job value ($)

Buffer for variations (%)

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

Share this calculator:

Trades Insurance Articles

Avoid Costly Replacements: Insurance Tips for Australian Tradespeople

Tradespeople in Australia rely heavily on their tools and equipment to get the job done. Whether you are a carpenter, electrician, plumber, or any other type of tradesperson, your tools are essential to your daily operations. - read more

Top Insurance Coverage Options Every Tradesperson Should Consider

Whether you're a carpenter, electrician, plumber, or any other type of tradesperson, your work is essential to keeping homes and businesses running smoothly. But have you ever thought about how important insurance is for your trade business? - read more

Protecting Your Trade: Public Liability Insurance Explained

Public liability insurance is designed to protect businesses and tradespeople against legal costs and compensation claims for injury or damage to property by a third party. In layman's terms, it covers you if someone sues your business for damages. - read more

Insurance News

Australian Insurers Urged to Strengthen Cyber Risk Defenses

23 Dec 2025: Paige Estritori

Recent findings from the PwC Insurance Banana Skins Survey indicate that Australian insurers are trailing behind their global counterparts in preparedness for cyber threats. The survey, which gathered insights from 698 insurance executives across 42 territories, revealed that Australian insurers scored 6.6% lower on the Preparedness Index compared to the global average. - read more

Australian General Insurers Report Record Profits Amid Premium Hikes

23 Dec 2025: Paige Estritori

Australia's general insurance industry has reported a 19% return on equity (ROE) for the 2025 financial year, marking the highest in a decade. This significant achievement is attributed to favourable weather conditions, strong investment gains, and the continued flow-through of premium increases, as detailed in the latest Optima Report by actuarial consultancy Finity. - read more

Australian Life Insurance Sector Set for Significant Growth

23 Dec 2025: Paige Estritori

Australia's life insurance market is projected to experience moderate expansion over the next four years, with gross written premiums (GWP) expected to increase from $26.2 billion in 2025 to $30.5 billion by 2029. This growth, representing a compound annual growth rate (CAGR) of 3.9%, is driven by factors such as economic recovery, an aging population, and heightened public awareness of health and financial planning, according to recent analysis by GlobalData. - read more

Click for more Insurance News

Knowledgebase

Insurance Underwriter:
An insurance company, a financial institution that sells insurance.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.