Start smart. Scale strong. Stay protected.​

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Tradies Insurance

All the cover a tradie needs, in one simple package

You’re on tools every day. Client property, your gear, injuries, damaged work, Tradies Insurance bundles Public Liability, tools cover, and income protection into one policy built for trades. Stop juggling separate policies and get back to work.

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What could go wrong

(and why you need this)

Management Liability protects you personally when corporate lawsuits target your decisions, not just the company.

Scenario 1

You damage client property

You’re a plumber fixing pipes. You accidentally crack an expensive tile during the job. The client wants $3,000* to retile the entire bathroom.

Then they claim water damage to the floor below adds another $8,000*.

What Tradies Insurance covers

The damaged tiles, investigation of the water damage claim, your legal defence, and the settlement if you’re found liable.

Scenario 2

Your tools are stolen

Your van was broken into overnight. They take $15,000* worth of tools, drills, saws, power tools, hand tools, and your laptop. You can’t work tomorrow without them.

What Tradies Insurance covers

Replacement cost of stolen tools, hire costs for temporary equipment while you wait for replacements, and damage to your van from the break-in.

Scenario 3

Someone gets hurt at your worksite

You’re a builder. A client walks through your worksite, trips over materials, and breaks their wrist.

They’re off work for 6 weeks and claim $40,000* for medical costs and lost income.

What Tradies Insurance covers

Their medical expenses, lost income claim, your legal defence costs, and the settlement.

Scenario 4

You're injured and can't work

You fall off a ladder and break your leg. You’re out of work for 12 weeks. Your bills don’t stop, but your income does. Lost income: $20,000*.

What Tradies Insurance covers

Weekly income payments while you recover (often 75-85% of your normal income), medical costs, and rehabilitation support.

What this actually covers

Tradies Insurance

Tradies Insurance typically bundles:

Public Liability:

  • Damage to client property
  • Injury to clients or the public at worksites
  • Legal defence costs
  • Compensation payments

Tools and Equipment:

  • Hand tools, power tools, equipment
  • Theft from vehicles or worksites
  • Accidental damage
  • Temporary hire costs for replacements

Professional Indemnity (if applicable):

  • Mistakes in your trade work
  • Faulty workmanship claims
  • Breach of contract
  • Defective work that causes loss

Income Protection / Accident & Sickness (often added):

  • Weekly payments if you can’t work due to injury or illness
  • Medical and rehabilitation costs
  • Up to 75-85% of your income covered
  • Waiting periods apply (usually 14-30 days)

Commercial Motor (often added):

  • Business use of vehicles
  • Tools in transit
  • Damage to work vehicles
  • Liability while driving for work

Optional extras may include

  • Contract works insurance (for builders and renovators)
  • Plant and equipment (larger machinery)
  • Business interruption
  • Stock and materials

When you need this

By founder stage

Start smart

Pre-launch to first year

You need this from day one if:

  • Visit client properties for work
  • Use tools worth more than $5,000
  • Have materials or equipment at worksites
  • Work on residential or commercial sites
  • Need to meet client or contract insurance requirements

Typical coverage

  • Public Liability: $10-20 million
  • Tools: $10,000-$30,000

Scale strong

Growing and hiring

Your cover needs to increase when:

  • You hire employees
  • You’re taking on larger jobs ($50k+)
  • You’ve invested in more tools and equipment
  • You’re working on commercial projects
  • Contracts require higher liability limits ($20M+)

Typical coverage

  • Public Liability: $20 million
  • Tools: $50,000+
  • Workers’ Comp: Mandatory for staff

Stay protected

Established and optimising

Review your cover when:

  • You’ve bought expensive new equipment
  • You’re subcontracting or using labour hire
  • You’ve expanded into new trade areas
  • You’re doing design or consulting work (add PI)
  • Your turnover exceeds $1M

Typical coverage

This is where things get custom, and you need to talk to the team at Pocket to evaluate your specific needs.

Common questions

Founders actually ask

I only do small jobs, do I really need this?

Yes. Small jobs can have big consequences. A $200 repair job can cause $20,000 in damage if something goes wrong. Public Liability is essential for any tradie visiting client properties.