Structural Steel Erection Insurance

Stainless Steel Erection work is precision-based, physically demanding, and often done in tough conditions. Confined spaces, overhead installs, and high-heat welding all increase the risk of injury. If you’re a subbie or self-employed and not covered by Workers’ Comp, Personal Accident and Illness insurance helps keep your income coming in while you recover.

An injury that could put you off the tools can throw everything out. If you’re supporting a family, paying off gear, or running your own show, this cover gives you breathing room so you’re not forced to dip into savings or fall behind on bills.

This policy can include:

• Weekly income payments if you’re temporarily unable to work
• Lump sum payouts for permanent injuries or serious outcomes
• Optional extras for hospital stays, rehab, or specialist medical costs
• Cover that applies 24/7; not just while you’re on the job
• Protection during weekend sport and recreation like footy, trail riding, or mountain biking

If you’ve got anyone on the books, even a casual fitter, apprentice, or site labourer, Workers’ Compensation is a legal requirement. Structural steel work involves significant risk exposures, including falls from height, heavy lifting strains, site-related accidents, and welding fume exposure. A single incident can cause major disruption and dramatically increase your costs if the policy setup and claim management are not handled correctly.

Without the right cover and accurate classification, even a routine claim can push your premiums up or lead to non-compliance issues with your state regulator or demanding clients.

We help structural contractors stay covered, compliant, and in control with practical support that fits how your large-scale projects operate.

Our support can include:

• Setting up the right policy for your jurisdiction and guiding you through interstate requirements when working across state lines.
• Making sure fitters, welders, and riggers are correctly classified under the specific workers’ comp category for structural steel erection and site work.
• Including Principal’s Indemnity and Waiver of Subrogation for commercial or infrastructure projects where contracts require it.
• Helping you prepare accurate wage declarations and confirming who does and doesn’t need to be covered, including working directors.
• Lodging claims quickly and supporting you with incident reporting, especially for falls, lifting-related strain, or hot work injuries.
• Handling insurer paperwork from start to finish, so nothing slips through the cracks.
• Coordinating light duties and return-to-work plans to support your crew and keep jobs moving.
• Actively managing complex or long-running claims to reduce delays and keep premium impacts in check.

If you’ve had past claims, we’ll help you:

• Review your claims history and identify common issues or risk areas.
• Improve classification accuracy, reporting processes, or rostering practices.
• Recommend practical risk-reduction steps like safety harness upgrades or procedural changes for working at height.
• Work with your insurer to manage ongoing or complex claims more efficiently.

If your claims history is clean, we’ll help you:

• Confirm your classifications and setup reflect how your business actually runs.
• Identify opportunities to sharpen your rate through better data or reporting.
• Present your case clearly to insurers, so you’re not paying more than necessary.

Business Package insurance gives stainless steel contractors a practical way to protect tools, equipment, and premises under one tailored policy. If you’re running projects from a workshop, yard, or home base, this cover keeps everything in one place and fits how you actually work.

This type of business insurance helps cut admin, reduce gaps between policies, and avoid paying for cover you don’t need. It’s ideal for contractors managing stock, tools, or small crews across multiple sites.

Your policy can include:

• Cover for sheds, storage areas, or small workshops
• Theft and fire protection for welders, orbital tools, and materials
• Business interruption cover if you’re unable to operate due to a covered event
• Optional extras like glass breakage or money cover
• Public and Products Liability (if not already covered)
• Machinery Breakdown or Portable Property cover for essential gear

If your structural steel firm is involved in design input, connection detailing, fabrication specs, or advice on installation methodology, you could be held liable if that guidance leads to a costly issue for the client. This includes work done in-house or by external drafters; liability often sits with your business either way.

Professional Indemnity insurance protects you if a client alleges that your firm’s specifications, plans, or advice caused financial damage due to errors, structural failure, or delays. This is a gap your Public Liability insurance won’t cover.

This policy is crucial if you are:

• Advising on fixings, tolerance, or connection methods for the structural frame.
• Involved in site layout planning or phased erection sequencing.
• Providing certification or documentation for builders, engineers, or regulatory bodies.

What this protects:

• Claims related to design errors, incorrect specifications, or installation advice
• Financial losses suffered by clients due to your technical input or project documentation
• Legal defence costs and compensation if your business is found liable
• Professional advice tied to planning, drawings, sequencing, or contractor documentation

Our team helps you in: 

• Assess whether PI is needed based on your actual project scope and contracts
• Prepare underwriter-ready submissions so you’re not rated like a full engineering firm if you’re not one
• Make sure your PI policy aligns with your Public Liability wording, closing any grey areas
• Review your D&C contracts, subcontractor terms, or consultant agreements to clarify where liability sits
• Help identify if design responsibility is contractual, implied, or retained via documentation
• Set the right limit of indemnity and project value declarations, not a generic off-the-shelf fit

Until the job is signed off, the risk usually sits with you. If steel on-site is damaged, stolen or impacted by weather before completion, you’re left covering the cost and managing the delays that follow.

Contract Works insurance protects your materials, labour and any works still in progress. For structural steel contractors, this is essential cover, especially when your contract states you’re responsible until practical completion.

We help tailor your policy to cover:

• Damage to incomplete works caused by fire, storm, theft or on-site accidents
• Stainless steel materials stored or fixed in place before completion
• Tools and equipment used or kept on-site during the job
• Optional cover for hired-in plant, scaffolding or temporary site structures

At All Trades Cover, we can set it up to properly:

• Match your sum insured to the actual project value, including labour and materials
• Review your contract wording to confirm when risk transfers and what counts as handover
• Tailor the policy to suit phased works, staged handovers or weather-related delays
• Include principal’s interests or cross liability wording when required
• Ensure annual policies allow for multiple jobs and turnover limits without gaps

This is the protection that keeps your structural steel erection project on track and your liability in check from start to finish.

Lose a welder, a specialised alignment tool, or essential rigging gear, and your job can stall fast. Structural steel contractors rely on high-value, portable equipment that isn’t cheap or easy to replace. Tools and Equipment insurance (also known as General Property cover) helps cover stolen or damaged gear quickly so you can stay on the job, not chasing replacements.

This policy protects the gear you rely on every day, from hand tools to high-spec welders and portable benches. It applies on-site, in transit, or stored securely at your workshop or home base.

Most insurance policies require proof of forced or violent entry for theft claims. If your gear is left in an open tray or an unlocked trailer, you could still be left out of pocket.

This policy provides valuable cover for:

• Gear stored in utes, trailers, workshops, or on-site containers.
• High-value items like welders, generators, specialised measuring tools, and oxy kits.
• Accidental damage to gear during transport or while on-site.
• New-for-old replacement options for essential tools.
• Flexible item limits so your expensive kit isn’t underinsured.
• Australia-wide protection, including cover while travelling between structural sites.

We’ll help you:

• Review how and where your tools are used.
• Schedule high-value gear properly to ensure adequate replacement limits.
• Avoid policy gaps that could lead to denied claims.

As a structural steel contractor, you rely on specialised heavy gear for lifting, site setup, and high-capacity welding. From mobile cranes and elevated work platforms to site generators and large mobile welders, keeping this equipment protected is essential. Contractor Plant and Machinery insurance gives you the financial security needed if damage, theft, or breakdown threatens to derail your project timelines.

This insurance is designed for owned, loaned, or hired-in plant used across projects, fabrication yards, or mobile setups. It covers the assets used on install jobs, shutdowns, or structural builds that could otherwise leave your business financially exposed.

This policy protects:

• Accidental damage, fire or theft of your owned plant and machinery
• Hired-in plant cover to meet the insurance requirements of rental agreements
• Dry hire cover if you’re hiring gear out without an operator
• Breakdown cover for insured items, including repair or replacement of critical components
• Road risk cover for trailers, mobile plant or towed equipment used on public roads
• Transit cover for moving gear between sites or depots
• Finance payout protection if equipment is written off under lease or loan

How we set it up at All Trades Cover:

• Tailor your policy to how your gear is actually used, from shutdowns to site installs
• Include both owned and hired-in plant under the right headings
• Review your hire agreements to confirm what needs to be covered
• Make it easy to add or remove plant as your fleet changes
• Structure cover to suit multi-site or shared-use operations

When your vehicle is part of the job, keeping it protected keeps the whole operation moving. From a single ute to a full fleet of service vehicles, Commercial Motor insurance covers the costs if something goes wrong on or off the road.

This cover is built for tradies and contractors using vehicles for work. It protects against damage, theft, accidents and third-party claims, with options that fit both small operators and growing teams.

Coverage typically extends to:

• Comprehensive cover for damage to your vehicle, including work fit-outs and signage
• Theft, vandalism and weather damage protection
• Third-party liability cover for damage or injury to others
• Cover for tools or equipment stored in the vehicle
• Windscreen and glass replacement options
• Hire vehicle cover while your work vehicle is off the road
• Fleet options for multiple vehicles under one policy

Managing multiple work vehicles can get complicated. Motor Fleet insurance brings everything under one policy, so you can protect your utes, trucks and trailers without juggling separate cover for each.

This type of insurance is ideal for stainless contractors running two or more vehicles for staff, deliveries or equipment transport. It helps simplify renewals, reduce admin and ensure every vehicle on your books is properly covered.

Included under this insurance are:

• Comprehensive cover for all registered vehicles used for work
• Damage, theft and accident protection across the entire fleet
• Third-party liability cover for damage or injury to others
• Flexibility to add or remove vehicles as your fleet changes
• Cover for signwriting, fit-outs and permanently installed gear
• Optional cover for hire vehicles or loan cars while repairs are underway
• Streamlined claims and one renewal date for all vehicles

Running a business comes with risks that go beyond tools and job sites. Management Liability insurance protects you and your business if something goes wrong behind the scenes, like a legal dispute, employee claim or tax investigation.

This cover is especially useful for stainless contractors running a company structure with employees, subcontractors or directors. It helps protect the people who make the decisions and keeps your business protected from unexpected legal or regulatory hits.

Some of the key features can include:

• Employment practices liability, including unfair dismissal or harassment claims
• Protection for directors and officers facing legal action in their personal capacity
• Coverage for regulatory investigations, fines and penalties
• Crime cover for internal or external theft, fraud or dishonest acts
• Tax audit cover to assist with the cost of managing ATO reviews or audits
• Legal defence costs if your business is taken to court

When you’re transporting high-value materials or custom-fabricated stainless steel, the risks don’t stop at the job site. Marine Transit insurance protects your goods while they’re in transit, whether you’re moving gear across town or shipping components interstate.

This cover applies to tools, materials, and finished goods being transported by road, rail, air or sea. It’s designed for contractors who move their own gear or rely on freight providers to deliver critical parts to the site.

Some of the key features can include:

• Cover for loss or damage to goods in transit
• Protection during loading, unloading and temporary storage
• Theft, fire or collision cover during transport
• Single-trip or annual cover options, depending on how often you transport
• Coverage for both your own vehicle and third-party carriers
• Optional cover for delay, deterioration or consequential loss

If you send quotes, manage bookings, or store client info online, you’re exposed to cyber risk, even if you’re a small operation. A single hacked email, ransomware attack or stolen invoice template can lead to major financial and reputational damage.

Cyber insurance helps protect your business if your systems are breached or your data is compromised. It’s a practical cover for contractors who rely on cloud tools, mobile devices, or online payments to run their day-to-day operations.

It’s designed to include:

• Cover for cyber attacks, ransomware and data breaches
• Support for recovering lost data and restoring access to systems
• Costs for notifying clients and meeting legal obligations
• Coverage for business interruption caused by a cyber event
• Protection against invoice fraud and payment redirection scams
• Access to 24/7 cyber support and expert response teams

When work takes you away from home, even a short trip can come with unexpected risks. Corporate Travel insurance covers you and your team when travelling for business, whether it’s a quick flight to a supplier, an interstate shutdown, or a site visit overseas.

It’s designed to pick up where standard policies stop, covering medical issues, cancellations, delays or lost gear while you’re on the move.

This might cover:

• Medical expenses and emergency assistance while travelling
• Trip cancellations, interruptions or delays due to illness or disruption
• Cover for lost or stolen luggage, tools or business equipment
• Rental car excess cover
• Accidental death and disability benefits
• Coverage for directors, employees and accompanying spouses if required
• Optional cover for leisure travel during business trips