Working in the trades and construction industry means dealing with physical, fast-moving, and often unpredictable environments every day. Whether you’re a sole trader, subcontractor, independent tradie, or managing a larger construction company, the risks faced by trades businesses can quickly lead to major financial setbacks without the right protection in place.
Trades and construction businesses are commonly exposed to public liability claims, tool theft, damage to vehicles and equipment, contract works losses, property damage, employee-related risks, and business interruption following an insured event. For sole traders and self-employed contractors, personal accident and illness cover is also critical, as workers compensation often does not provide the same protection if you’re injured and unable to work.
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SME insurance costs are shaped by more than base risk, with state taxes, emergency service levies, location, construction, and claims history all adding pressure. This guide breaks down what drives your premium and shows the practical choices you can influence to improve value and structure cover. Ensure every dollar works harder for your business.
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Tradies may be the lifeblood of your business, but are you protecting them against the risk and hazards in your workplace? Find out more about how you can better protect them and your operations.
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2026 brings a tougher insurance environment as claims inflation, catastrophe losses, and cyber enforcement all intensify. This article unpacks the key SME trends in affordability, availability, and resilience, and offers clear steps to review limits, update wordings, test continuity plans, and sharpen everyday risk controls across the business today.
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Summer weather risks are intensifying, with increased heat, heavier rain, and stronger storm and fire conditions expected across Australia. This piece outlines the practical steps SMEs can take now to protect people, assets, supply chains, equipment, and operations, and to strengthen resilience & business continuity before extreme conditions peak.
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Businesses in the construction, retail and hospitality are more likely than other sectors to be sued, says the Ombudsman. Clients, customers, other companies, shareholders, members of the public, and employees can file a claim against your business.
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Cybercrime in Australia is on the rise. According to the Australian Cyber Security Centre’s annual threat report, more than 76,000 events were reported during the 2021–22 financial year, up 13 per cent from the previous financial year.
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Your business can change a lot in a year – expanding, shifting online, hiring staff, or upgrading equipment.
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Australia’s SMEs are navigating a complex environment in 2025. Economic volatility, regulatory complexity, and evolving security threats have created a perfect storm of pressures that test the resilience of even the most established businesses.
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Battery-powered tools are now prime targets for thieves. Such tools are lightweight, valuable, and easy to resell on the black market, particularly online, even though they’re unlikely to fetch more than one-third of the original purchase price.
Across Australia, more businesses are operating without offices or in-house servers, choosing cloud-based platforms instead. Remote and flexible work has accelerated this switch for thousands of SMEs.
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Claims farming – also known as claims harvesting - is on the rise in Australia. It’s a practice that can impact any business, often without warning.
Aussies love a backyard, so it’s no surprise landscape gardeners are thriving. A number of dierent business models operate across the sector, including sole traders and proprietary limited companies and insurance diers across these options.
Sure it’s hard not to get distracted by the Bunnings sausage sizzle. It’s also hard not to notice how important tools are to each and every business owner that passes through the door
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