Insurance for Trades, Builders & Construction
If you’re in the trades, you know things can go wrong fast — a slip, a storm, equipment gone missing. The right insurance keeps you working and avoids nasty surprises.
Common Risks
- Injuring someone on-site or damaging their property
- Tools or machinery stolen from vehicles or sites
- Storm, fire, or vandalism damaging works in progress
- Errors in plans or work causing costly delays or rework
- Vehicle accidents in work utes, vans, or trucks
Covers You Might Need
Public Liability
Covers claims if you accidentally injure a person or damage something that belongs to them. Examples: A client trips over your toolbox on-site and breaks their arm — you’re covered. Or, you scratch a customer’s car with your ladder — you’re covered.
Tools & Equipment Insurance
Covers your tools and gear if they’re stolen, lost, or damaged. Examples: Your drills and saws are stolen from your ute overnight or, you drop a laser level from scaffolding and it smashes.
Contract Works Insurance
Covers damage to a building project while it’s in progress. Examples: You’re covered if a storm wrecks half-built framing or, vandals damage stored materials before completion.
Professional Indemnity
Covers you if your advice, plans, or designs cause a client to lose money. Examples: Say, a measurement mistake leads to extra costs or, a design change you approved causes project delays — you’re covered.
Commercial Vehicle Insurance
Covers your work vehicles for accidents, theft, or damage. Examples: Your ute is rear-ended on the way to a job or your work van is stolen from outside your home.
Why Work with Luma
We’ll find cover that protects your gear, your jobs, and your reputation without hidden costs or insurance jargon.
FAQs
I’m a pro—I don’t make mistakes. Do I really need Public Liability?
We know you’re good at what you do, but you can’t control everything. If a delivery driver trips over your materials or you accidentally clip a water pipe, Public Liability keeps a small mishap from becoming a business-ending lawsuit.
What happens if my tools get pinched from my ute?
Losing your gear means losing your livelihood. General Property cover is designed to get you back on the tools fast, covering the cost of replacing your kit if it’s stolen or damaged.
Do I need insurance even if I’m just a subbie?
Often, yes. Most head contractors won’t let you on-site without your own Public Liability. It’s your “ticket to play” and ensures you’re protected regardless of what the main contractor’s policy says.