Comprehensive insurance solutions designed specifically for electricians, plumbers, builders, and all tradies across New Zealand. Protect your livelihood with tailored cover.
Running a trade business in New Zealand means dealing with unique risks every day. Whether you're an electrician working at heights, a plumber dealing with costly water damage, or a builder managing multiple subcontractors, the right insurance protects your livelihood.
Without proper cover, a single accident or claim could result in significant financial loss. Many property owners and main contractors now require proof of insurance before awarding contracts, making trades insurance essential for winning business.
Under New Zealand law, businesses have specific obligations. While ACC provides cover for workplace injuries, it doesn't cover everything. Businesses are also required to meet Health and Safety at Work Act 2015 obligations, and many contracts require specific liability coverages.
Essential for all tradespeople. Covers legal costs and compensation if you accidentally injure someone or damage property. Most main contractors require $1M-$2M minimum cover.
Protect your valuable tools and equipment from theft, damage, or loss. Whether stored in your vehicle or on-site, this cover ensures you can replace essential gear quickly.
Cover for your van, ute, or truck. Includes coverage for tools and equipment stored in the vehicle, with options for single vehicles or fleet cover.
Cover for building projects, including materials, labour, and temporary works. Essential for larger projects and main contractor requirements.
If you employ staff, this covers claims from employees for work-related injuries or illness not covered by ACC. Required for businesses with employees.
Protect your personal income if you can't work due to illness or injury. Particularly important for sole traders who rely on their own ability to work.
Every trade comes with its own set of risks. Understanding these helps you ensure you have the right cover in place.
Falls from ladders, scaffolding, or roofs are a leading cause of workplace injuries in NZ. Falls account for a significant portion of ACC claims in the trades sector.
Electricians face risks from shock, burns, and arc flash incidents. Faulty wiring or improper grounding can lead to fires and property damage.
Plumbers and gasfitters work with water systems that can cause significant property damage if things go wrong. Leaks, burst pipes, and flooding can result in costly claims.
Tools are a common target for theft, especially from vehicles. The cost of replacing stolen tools can be substantial, and tool theft often disrupts work schedules.
Driving to multiple job sites daily increases the risk of vehicle accidents. Accidents can result in repair costs, hire vehicle expenses, and potential liability claims.
If subcontractors are injured on your worksite, you may be held liable. Proper contracts and insurance help manage this risk.
Insurance costs vary based on your trade type, business size, turnover, claims history, and the specific covers you need. Here's a general guide for NZ tradespeople:
| Cover Type | Annual Cost Range | Factors Affecting Cost |
|---|---|---|
| Public Liability | $800 - $3,000+ | Trade type, project values, contract requirements |
| Tool Insurance | $300 - $1,500 | Total tool value, storage method, security |
| Commercial Vehicle | $1,500 - $5,000+ | Vehicle type, usage, driver history |
| Contract Works | $1,000 - $10,000+ | Project values, project type, duration |
| Income Protection | $500 - $2,000+ | Income level, waiting period, benefit period |
Note: These are indicative figures only. Get a custom quote to find accurate pricing for your specific situation. Many insurers offer discounts for combined policies, safe driving records, or trade certifications.
Speak to a broker who understands the trades industry. We'll find the right cover at competitive prices.
Or call us on 09 941 9662
Explore these insurance solutions commonly needed by tradespeople in New Zealand
Protect against third-party injury and property damage claims
Cover for vans, utes, trucks and fleet vehicles
Insurance for building projects and contract works
Cover for tools, plant and equipment
Protect your income if you can't work due to illness or injury
Cover for employee injuries and claims
Get comprehensive insurance cover tailored to your trade. Our brokers understand the unique risks faced by NZ tradespeople.
No obligation quotes. Competitive rates. NZ-based claims support.