Tradies Insurance Australia :: Calculators

Tradies Insurance Australia Financial Calculators

Tradies Insurance Australia is pleased to provide you with the following calculators that may be of assistance to tradies before making a tradies insurance quote request, and to assist you on your financial journey.

Available Calculators

Trades Insurance Calculator

Explore your trades insurance needs with our Trades Insurance Calculator. Estimate potential cover amounts for your business and see how different trade activities, workplace risks and coverage assumptions may influence your insurance estimates.

Public Liability Insurance Calculator

Explore your public liability insurance needs with our Public Liability Insurance Calculator. Estimate potential cover amounts for your business and explore how different liability risks, business circumstances and coverage assumptions may influence the results.

Income Protection Insurance Calculator

Explore potential monthly income protection insurance amounts with our Income Protection Insurance Calculator. Use your income and basic financial details to estimate possible benefit amounts and see how different figures may affect your results.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Insurance News

Court Ruling Shows Why Overlapping Site Cover Still Needs Scrutiny

04 Nov 2026: Paige Estritori

A recent Federal Court decision involving a construction site injury has put a spotlight on a common but often misunderstood issue for trade businesses: what happens when more than one liability policy appears to cover the same incident. For subcontractors, the case is a reminder that being noted under a head contractor’s project insurance does not automatically mean every policy will respond in the same way, or in the order a business might expect. - read more

New Insurance Code Step Highlights Cover Gaps for Tradies

28 Oct 2026: Paige Estritori

The Insurance Council of Australia has submitted its proposed strengthened General Insurance Code of Practice to ASIC, marking an important step in the industry’s push to make key service standards more enforceable. For Australian tradies, the development is worth watching because the proposed code could improve accountability in some areas of insurance while leaving several common trade-related covers outside its scope. - read more

Silica Duties Are Now an Insurance Issue for Trade Businesses

16 Sep 2026: Paige Estritori

Australia’s sharper focus on crystalline silica is moving beyond the engineered stone ban and into the everyday work of many trade businesses. Cutting, grinding, drilling, chasing, polishing or demolishing materials such as concrete, bricks, pavers, tiles and stone can create respirable dust, and regulators are continuing to emphasise controls, supervision and evidence of safe work practices. - read more

Why Cyber Risk Is Becoming a Job-Site Issue for Tradies

09 Sep 2026: Paige Estritori

Recent insurance-sector commentary has put cyber risk back on the small business agenda, with attention turning to invoice fraud, email compromise, stolen devices and the way criminals target everyday payment processes. For Australian tradies, this is not just an office problem. Many trade businesses now run quoting, scheduling, banking, supplier accounts and customer communication from a phone, tablet or laptop that travels between the ute, workshop and job site. - read more

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Trades Insurance Articles

Tools and Equipment Insurance for Australian Tradies: What It Can Cover

Tools and equipment insurance can help Australian tradies protect portable tools, machinery and work gear against events such as theft, accidental damage, fire or other insured loss, depending on the policy. This guide explains what cover may include, common exclusions, storage conditions and how claims are often assessed. - read more

A Guide to Choosing Income Protection Insurance for Tradies

Income protection insurance is a vital safety net for those who earn their livelihood through skilled trades. It is designed to replace a portion of your income if you're unable to work due to illness or injury, ensuring that you can meet your financial obligations while you recover. This type of insurance provides peace of mind, knowing that even if the unexpected happens, your bills can still be paid and your lifestyle maintained. - read more

Commercial Vehicle Insurance for Australian Tradies: What to Know

Commercial vehicle insurance is designed for vehicles used in trade or business activities. For Australian tradies who rely on utes, vans, trucks and work vehicles to travel between jobs, carry materials and transport tools, understanding the available cover options can help reduce confusion when comparing policies. - read more

Workshop Contents Insurance for Tradies: What It Can Protect

Workshop contents insurance can help protect business assets kept at a fixed premises, such as equipment, stock, materials, fixtures and office items. For tradies who operate from a workshop, shed, yard or warehouse, it can be an important part of a broader business insurance setup. - read more

Knowledgebase

Loss of Use:
Insurance coverage that pays for the additional living expenses if your home is uninhabitable due to a covered loss.

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