Tradies Insurance

Are you a tradesperson looking to protect your business? Or just looking for the insurance you need to get on site? Our flexible range of products designed for tradies can be tailored to suit your needs.


What is Tradies Insurance?

Tradies Insurance is specialist cover for tradespeople such as electricians, tilers, plumbers and more, whether they’re on the go or working from a fixed premise. Depending on the needs of your business, you can get cover for things like the theft of tools and equipment, public and products liability claims, events such as tax probes, and more.


Know which cover is right for you

Whether you’re a subcontractor or a business owner, we have options for you.

I'm a subcontractor

Mobile Business Protect

Offers cover for tradies who subcontract and go from site to site, who don’t work from a fixed premise. You can ensure that your most valuable items, like your tools and your vehicle, are covered



I own my business

Mobile Business Protect

Offers cover for tradies who own their own business but don’t operate from a commercial premises. You can get cover for things like tools and vehicles, as well as covering your business in case of events like tax probe.



I own my business and I operate from commercial premises

GIO Business Protect

Offers cover for business owners who work from a commercial property and not from their home. In addition to covering your property assets, tools, equipment and vehicles, you can take care of your business interests with things like tax probe cover and cover for your money.



Need your Certificate of Currency?

Request a copy of your Certificate of Currency and we’ll make sure you receive it within 4 business hours via email.



Reasons to choose GIO

  • Fast and easy claims lodgement process
  • You can pay monthly to assist with your cash flow
  • GIO has been helping customers since 1927
  • Over the phone support

Call 1800 036 837 for product and service support now.



How much Public & Products Liability cover do I need?

There is no simple answer here, as each business is different and has different needs. What may be useful is to look at the following:

  • The contracts you work on. Some contracts will stipulate the minimum amount of cover required. For example, if your business is within a shopping centre, you may find that the contract stipulates a minimum of $20m cover is required.
  • The conditions of your licence (if applicable). As an example, electrical contractors are required to hold a minimum of $5 million public liability cover in order to obtain their licence in some states. 

What is the difference between Public Liability and Products Liability insurance cover?

Both Public and Products Liability provide coverage for any injury or property damage that might be caused as a result of your business activities. The difference is that Public Liability relates to injury or property damage whilst you’re on the job, and Products Liability relates to injury or damage caused by any products you distribute, supply or manufacture.

Start Now

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


Looking for more detail? 

Any advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it.  Please read the relevant Product Disclosure Statement before you make any decision regarding this product.  The Target Market Determination is also available. 

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 fire, storm (excluding flood), impact, lightning, explosion and earthquake. Also included is the cost of removing debris, and rewriting of records.

Flood cover is not covered as standard. If requested, it may be added to your policy for an additional premium and subject to our underwriting guidelines. Not available online, please call 13 10 10 if interested.

Under the policy, "flood" is defined as the covering of a normally dry land by water that has escaped or been released from the normal confines of any of the following:

  • a lake (whether or not it has been altered or modified);
  • a river (whether or not it has been altered or modified);
  • a creek (whether or not it has been altered or modified);
  • another natural watercourse (whether or not it has been altered or modified);
  • a reservoir;
  • a canal; or
  • a dam.

GIO Business Insurance can cover certain water damage caused by circumstances other than those outlined above; for example, from a damaged water pipe. For more information, please read the PDS.


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.