Trades & Construction

Insurance for Tradies

Public liability, tools, vehicle and income cover built around how tradespeople actually work.

Overview

Cover built around your work

Whether you're on the tools solo or running a small crew, one bad day on site can cost more than a year's profit. We arrange straightforward, well-priced cover for New Zealand tradies - liability when your work causes damage, your tools and vehicle, and your income if you can't work.

The risks you carry

What we help protect you against

Damaging a client's property or a third party while on the job
Tools stolen from the ute overnight or off site
A vehicle off the road taking your income with it
An injury or illness that stops you earning
A client requiring proof of public liability before you start

Who it's for

Sole-trader tradies and small trade businesses who want the right cover without paying for extras they'll never use.

The cover

Cover we typically arrange

Ryan & AshleyDirectors, The Insurance Collective

Talk to a real person

“When something goes wrong, you won't reach a call centre - you'll reach one of us, or one of our other brokers who already knows your cover. That's the whole point of doing this properly.”

Ryan & Ashley

Call the team on 027 545 0908

Frequently asked questions

What insurance do tradies actually need?

For most tradies the core is public liability (in case your work damages property or injures someone), cover for your tools and vehicle, and income protection if you can't work. Contract works cover matters once you're doing bigger jobs. We build the mix around your trade.

My client wants proof of public liability - can you help?

Yes. We can arrange public liability cover at the limit your client requires and provide a certificate of currency so you can get on site without delay.

Do you charge for a quote?

No - quotes are free and there's no obligation. We're paid by the insurers we place cover with; our full fee disclosure is on the disclosures page.

What areas do you cover?

We're based in Hastings and look after clients right across Hawke's Bay and around New Zealand.

What happens if I need to claim?

You call us, not a call centre. We guide you through the process, check the paperwork, negotiate the wording and advocate for a fair outcome - that's the real value of having a broker in your corner.

Ready when you are

Get cover sorted for your tradies

Tell us a little about what you do and we'll come back with tailored cover and straight-talking advice.

Request a quote 027 545 0908

or Contact us

Free & no obligation
Insurance Advisernet member