Tradies Insurance

Whether you’re a tradesperson looking to protect your business or just looking for the insurance you need to get on site, Tradies Insurance can help you stay covered.


What is Tradies Insurance?

Tradies Insurance is specialist cover for tradespeople, whether they’re mobile or from a fixed premise. And because every trades business is unique, we’ve created flexible policies you can tailor to suit your needs.

Consider inclusions for unique business needs, such as commercial vehicle cover, and get cover for the essentials, like the theft of tools and equipment and public and products liability claims.

Covers we offer

Mobile Business Protect

Cover for subcontractors going from site to site, or business owners without commercial premises.

Existing customers

Need your Certificate of Currency?

Request a copy and you’ll receive it via email within 4 business hours.


Reasons to choose GIO Tradies Insurance

24/7 claims

Fast and easy claims lodgement process

Pay by the month

You can pay monthly to help with your cash flow

Established in 1927

We’ve been a trusted insurer for over 95 years

Over the phone support

Call 13 10 10 for product and service support.

Frequently asked questions

People also ask

Start now

After entering your details, our application will determine a range of covers that are available for your business.

Get a quote

Speak to a GIO Business Insurance consultant

Call us on 13 10 10.

Our knowledgeable, Australian-based call centre team are passionate about Business Insurance. We’re ready to answer your questions about our products and services. We can also assist you with purchasing or renewing a policy, updating your details and more.

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Property Damage

Cover for your building, business contents, stock or specified items for events such as flood, fire, storm, impact, lightning, explosion, and earthquake.^ Also included is the cost of removing debris, and rewriting of records.


Cover for theft of your contents, specified items and stock. Cover is not provided for theft of contents in the open air.


Covers loss or damage to glass that you own or for which you are legally responsible at your business premises, the cost of temporary shuttering, replacement of sign writing, cost of replacing any window tinting film and the cost value of stock and contents spoiled by the broken glass.


Covers loss of money at your business premises during and outside of business hours. Cover is also provided for money lost during transit, whilst in a safe or strongroom or in custody at a residential premises. The policy does not cover loss of money due to accounting or clerical errors or theft by staff.

Business Interruption

Provides cover for reduction in turnover or revenue if your business is interrupted due to an insured event such as fire, burglary or storm damage. Reasonable claims preparation costs and increased cost of working are included as extra covers.

Public and Products Liability cover

Cover for your legal liability for personal injury, damage to third party property, and/or advertising liability if it occurred in connection with your business.

Portable and Valuable Items

Cover for portable and valuable items such as mobile phones, laptop computers and tools of trade that you usually carry around with you in the course of your business. Cover is provided for accidental loss or damage to portable and valuable items worldwide. Cover limit up to $2,500 applies per item unless the item has been specified for a higher value.

Tax Probe

Covers you for professional fees (such as accounting fees) associated with a tax audit or investigation of your business’s tax affairs by the ATO or Government agency. Tax Probe cover provided depends on whether you select Business Audit only, Business and Directors Audit or Individual cover.

Commercial Motor

Commercial Motor Vehicle Insurance offers three types of cover for your business vehicles:

  • Comprehensive cover: provides cover for your vehicle as well as third party property damage
  • Legal liability, fire and theft: provides cover for your vehicle for fire and theft only and cover for third party property damage
  • Legal liability: provides cover for third party property damage only.

Equipment Breakdown

(Not available online)

Covers the cost of repairing or replacing your insured equipment due to a breakdown at your business premises. Cover is also provided for any direct loss or damage to insured property as a result of the breakdown. Deterioration of stock, restoration of computer data and increased costs of working are optional covers available for an additional premium.

Personal Accident & Illness

(Not available online)

Business insurance not only can provide cover for damage to physical assets, but can also offer Personal Accident & Illness cover to business owners and staff named on the policy schedule. There are 2 types of cover:

  • Accident only
  • Accident & Illness

Goods in Transit

(Not available online)

Provides cover for loss or damage caused to goods you sell, buy or use in your business when they are in transit. There are 2 types of covers:

  • Specified perils: includes collision, fire and explosion
  • Accidental damage: includes specified perils and accidental loss or damage

Management Liability

(Not available online)

Covers the management liability of you, your directors, officers and employees. Optional cover for Employee Dishonesty is also available for an additional premium.

^The content on this page in respect of flood cover under the property damage section applies to policies with a start date on or after 7 December 2023. We do not insure you for flood, bushfire or grass fire in the first 72 hours of commencing a new policy or adding property damage cover. Cyclone damage within 72 hours of commencing the policy is also not covered. Limited exception. Refer to the PDS for details.

Looking for more detail? Information provided is general advice only and doesn’t take into account your particular objectives, financial situation or needs so you should consider whether it is appropriate for you before acting on it. Conditions, exclusions and limits apply. Consider the Product Disclosure Statement before making a decision about this insurance. The Target Market Determination is also available.