Each week, get the essential news for tradies across Australia—insurance developments, regulatory changes, safety updates, court decisions, tool theft trends, and small business insights. Expect a clear, trustworthy wrap with practical takeaways to help you manage risk, stay compliant, and protect your livelihood. Straight to the point, in plain English, for sparkies, chippies, plumbers, builders and more—so you’re informed before you hit the jobsite.
This Week:
This week: climate risk moves up the agenda with calls for targeted intervention as exposure to floods and coastal hazards rises; the Australian Financial Complaints Authority issues rulings boosting several property payouts and reinforcing the value of evidence in claims; a proposed WA motor insurance acquisition raises competition concerns for tradies vehicle cover; and a Senate inquiry hears homes still lag on flood resilience, affecting insurability. Takeaways: review location risk, add practical mitigation, document damage, compare policies and excesses, and use broker support. Visit insurance-for-trades.com.au for tailored tradie cover and quick quotes.
EPISODE 709 | Insurance For Trades Weekly News Wrap for Tradies | Tue, 23rd Sep 2025
23 Sep 2025 | Paige Estritori
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Read Full Transcript:
Gday and welcome to Insurance For Trades News Wrap for Tradies, I am Paige Estritori, its Tuesday 23 September 2025.
First up, climate risk is back in the spotlight. A new national assessment this week lays out higher exposure to floods, coastal inundation and heat, and industry voices say some form of government intervention is likely where cover is becoming unaffordable. For tradies, that means insurers will keep pricing by location and resilience. Quick win: review your address risk, add basic mitigation like gutter guards, drain maintenance and elevation where practical, then compare policies that recognise those measures.
Meanwhile, the complaints watchdog, the Australian Financial Complaints Authority, handed down several decisions on property claims. In one case, an insurer was told to pay after a burst flexi‑hose; in another, a cash offer had to be lifted because the insurer didnt use appropriate experts; and a vandalism dispute turned on how exclusions were applied. Why it matters: good evidence speeds fair outcomes. Keep dated photos, keep invoices, get an independent report when damage occurs, and lean on broker support if a claim drags.
Over in WA, a proposed deal would see a major national insurer acquire RAC Insurance. A motor trades group warned it could reduce competitive pressure on price and service if approved. If youre a tradie in the West relying on your ute or van, dont wait—shop around at renewal, check that tools and signwriting are covered, and compare excess options to balance premium and downtime risk.
And a Senate inquiry heard that Australian homes still lag on flood resilience compared to bushfire and cyclone measures. That protection gap pushes up claims costs and can make some properties harder to insure. If you work near waterways or on coastal jobs, talk to clients about simple resilience upgrades and ask your insurer whether verified mitigation attracts a discount—some do.
Thats the wrap. For tailored cover, fast comparisons and help at claim time, head to insurance-for-trades.com.au. Stay safe on the tools and Ill catch you next week.
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