Trades & Construction
Cover built for the work site.
From slab to sign-off every stage insured properly.
Whether you are a sole-trader sparky, a mid-size builder or a specialist subcontractor, we arrange cover that matches the contracts you tender for, the sites you work on and the equipment you rely on every day.
The Problem
Off-the-shelf policies miss the contract clauses
Most generic business insurance ignores the realities of construction principal-required limits, contract works cover, tool-of-trade protection, subcontractor obligations and site-specific exclusions. One missed clause can leave an entire project uninsured.
Ideal Insurance Brokers reviews the contracts you tender for and the risks you actually face on-site, then compares 220+ insurer markets that understand trades and construction.
220+
Insurer markets
98%
Claims success focus
1
Dedicated adviser
What We Arrange
Cover that matches the contract
Public liability, contract works, tools, professional indemnity and workers compensation reviewed together so a site incident, a design error or a subcontractor claim is not a gap.
- 01
Public & products liability
Cover for third-party injury or property damage on-site and from completed work with limits matched to what your principals and head contractors require.
- 02
Contract works
Materials, fixtures, partially completed structures and works-in-progress covered from delivery through to practical completion including subcontractor damage.
- 03
Tools & equipment
Portable tools, power equipment, scaffolding and specialist plant covered on-site, in-transit and at your yard replacement cost, not depreciated value.
- 04
Professional indemnity
Protection for design, specification or supervision errors increasingly required by head contractors, government tenders and building certifiers.
How We Help
Built for builders and tradies
We know a plumber's risk profile looks nothing like a high-rise builder's. Your cover reflects the work you actually do, not a generic trade classification.
01
Contract & tender review
We check the insurance clauses in your contracts and tender documents so you are not under-insured or paying for limits you do not need.
02
Multi-trade coordination
Running multiple licences, crews or subcontractors? We coordinate cover across trades so nothing falls between policies.
03
Claims advocacy
When a tool is stolen, a site incident occurs or a defect claim lands, your dedicated adviser handles the claim not a call-centre queue.
Next Step
Ready for cover that matches the contract? We'll review your trades insurance.
Tell us about your licences, your contracts and your sites. We'll compare specialist markets and come back with options that fit the work.