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# All Trades Cover: All Trades Cover is a specialised insurance brokerage with over 12 years' experience providing comprehensive trade insurance solutions across Australia. Our mission is to provide competitive tradesmen insurance for all trades across Australia. We offer tailored public liability insurance, business insurance, and work personal accident cover to protect tradies against various risks including property damage and tools of trade losses. With our unique multiple quote feature, we provide up to 10 insurance options from a single form, ensuring you receive the best cover for your business. Our expert team handles claims efficiently, giving you peace of mind.

## Sitemaps
[XML Sitemap](https://www.alltradescover.com.au/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [NSW building reforms from 1 July 2026: what tradies and builders need to know](https://www.alltradescover.com.au/blog/nsw-building-reforms-from-1-july-2026-what-tradies-and-builders-need-to-know/): If you carry out building work in New South Wales, a set of reforms scheduled to commence on 1 July 2026 could change your registration and insurance obligations — in some cases for the first time. Here’s a plain-English rundown of what’s changing, who it affects, and what to check before the deadline.
- [Tradies Using Family Trusts Could Face $10,000 Restructure Costs, Courtesy of ATO Trust Changes — And That’s Just the Beginning](https://www.alltradescover.com.au/blog/tradies-using-family-trusts-could-face-10000-restructure-costs-courtesy-of-ato-trust-changes-and-thats-just-the-beginning/): If you’re a tradie running your business through a family trust, you’ve probably heard the noise:
- [Workers Compensation Rates WA 2026/27: The Industries Winning, the Industries Losing, and Why It Matters for WA Business Owners](https://www.alltradescover.com.au/blog/workers-compensation-rates-wa-2026-27/): For many WA business owners, Workers Compensation is a cost that often only gets attention when renewal arrives. But each year, the recommended rate changes tell a much bigger story about claims trends, workforce pressures, insurer sentiment, and the industries attracting the most scrutiny.
- [Do Contractors Need Workers Compensation? Contractors vs Employees Explained.](https://www.alltradescover.com.au/blog/do-contractors-need-workers-compensation-contractors-vs-employees-explained/): For many trades, labour hire, and project-based businesses, one of the most common mistakes around Workers Compensation starts with a simple assumption: if someone is a contractor, they do not need to be included.
- [Why Is Workers Compensation Often Better Managed Through a Broker Than Going Direct?](https://www.alltradescover.com.au/blog/why-is-workers-compensation-often-better-managed-through-a-broker-than-going-direct/): For many employers, Workers Compensation is treated like a routine annual task. The paperwork arrives, the policy is renewed, and it is not thought about again until the following year.
- [WA Workplace Safety Alert: Fatal Incidents, Big Fines, and How Your Next Workers’ Comp Claim Could Be Shaped by Day One Decisions](https://www.alltradescover.com.au/blog/wa-workplace-safety-alert-fatal-incidents-big-fines-and-how-your-next-workers-comp-claim-could-be-shaped-by-day-one-decisions/): Four practical actions for WA SMEs to cut risk, speed recovery, and protect your bottom line, grounded in recent WorkSafe WA enforcement activity and a proven injury-management playbook.
- [Team Member Spotlight: Luke Feeney](https://www.alltradescover.com.au/blog/team-member-spotlight-luke-feeney/): We’re excited to welcome Luke Feeney to the team at All Trades Cover, where he joins our expert group dedicated to supporting trades and construction professionals across Australia.
- [Protect Your Income With Personal Accident & Illness Insurance](https://www.alltradescover.com.au/blog/protect-your-income-in-minutes-personal-accident-illness-insurance-now-online/): If you're a subcontractor or sole trader, chances are you’re not covered by Workers Compensation, which means if you get injured on or off the worksite, there’s no automatic safety net.
- [ATO Update: New Tax Clarification on Workers Compensation Settlements in WA](https://www.alltradescover.com.au/blog/new-tax-clarification-on-workers-compensation-settlements-in-wa/): Effective 1 July 2024, the Australian Taxation Office (ATO) has released a formal ruling that changes how some lump sum workers compensation payments are treated for tax purposes in Western Australia.
- [How Much Does Arborist Insurance Cost in Australia?](https://www.alltradescover.com.au/blog/how-much-does-arborist-insurance-cost/): That’s exactly why getting your insurance right matters. But working out the answer to ‘How much does arborist insurance cost?’ isn’t always clear-cut. Prices can swing depending on the type of work you do, the tools you use, your turnover, and what kind of risks you’re taking on.
- [What Insurance Does a Plumbing Company Need?](https://www.alltradescover.com.au/blog/what-insurance-does-a-plumbing-company-need/): This guide answers the question: What insurance does a plumbing company need in Australia? You’ll also learn how each policy works in real-world plumbing jobs, and how to avoid paying for cover you don’t need.
- [What Insurance Does a Welder Need in Australia?](https://www.alltradescover.com.au/blog/insurance-need-for-welder/): That’s why there’s a strong insurance need for welder trades to get tailored cover that reflects the actual risk involved.
- [What Insurance Does a Roofing Business Need?](https://www.alltradescover.com.au/blog/insurance-for-roofing-business/): Sorting the right insurance for roofing business work gives you backup when things go sideways. It helps protect your tools, your team, and your cash flow. Whether you are quoting a re-roof or running a crew on a bigger commercial job, having cover in place means you can keep moving and get back on site faster.
- [How Much Does Insurance Cost for a Landscaping Business?](https://www.alltradescover.com.au/blog/how-much-does-insurance-cost-for-a-landscaping-business/): So, how much does insurance cost for a landscaping business? The short answer: it depends on what kind of work you do, how big your crew is and what you’re covered for.
- [What Insurance Does a Carpenter Need?](https://www.alltradescover.com.au/blog/what-insurance-does-a-carpenter-need/): So, what insurance does a carpenter need to stay protected, stay legal, and keep the business running strong? Let’s break it down with no fluff, just straight-up advice tailored for Aussie chippies, whether you’re a sole trader, subcontractor, or running a small crew.
- [Team Spotlight: From the West Coast Eagles to The Green Broker – Meet Cale Millett](https://www.alltradescover.com.au/blog/team-spotlight-from-the-west-coast-eagles-to-the-green-broker-meet-cale-millett/): How does a footy club trainer end up working in insurance?
- [On the Ground at the WA Mining Expo: Real Conversations, Real Challenges](https://www.alltradescover.com.au/blog/on-the-ground-at-the-wa-mining-expo-real-conversations-real-challenges/): The WA Mining Expo is more than a trade show. It is the centrepiece of Western Australia’s mining industry calendar. With vendors, suppliers, and thought leaders from around the globe, the event offers a snapshot of the innovation and complexity driving WA’s mining sector today.
- [Investing in Impact: Bringing Light and Learning to the Aeta Community](https://www.alltradescover.com.au/blog/investing-in-impact-bringing-light-and-learning-to-the-aeta-community/): Earlier this month, CEO John Elliott and Operations and Compliance Manager Kris Wright travelled to the Philippines to spend time with two critical groups in the All Trades network, our dedicated Manila operations team and the remote Aeta community in Zambales, where our latest Impact Donation project is now underway.
- [Personal Accident Insurance vs Workers Compensation: What’s the Difference?](https://www.alltradescover.com.au/blog/personal-accident-insurance-vs-workers-compension/): If you’re running your own trade business, it’s easy to get insurance types crossed. Personal Accident insurance vs Workers Compensation sounds like the same thing. Both deal with injury. Both pay income. But they’re designed for completely different situations.
- [How Much Is Public Liability Insurance for Electricians in Australia?](https://www.alltradescover.com.au/blog/how-much-is-public-liability-insurance-for-electricians/): This guide answers the key question of ‘How much is Public Liability insurance for electricians?’, breaks down what affects the cost, and shows you how to make sure you're not overpaying for protection you actually need.
- [How Much Is Public Liability Insurance in Australia?](https://www.alltradescover.com.au/blog/how-much-is-public-liability-insurance/): But how much is Public Liability insurance in Australia, and what affects the price?
- [What is Personal Accident Insurance?](https://www.alltradescover.com.au/blog/what-is-personal-accident-insurance/): Personal Accident Insurance is a type of cover that may provide a weekly benefit if an insured accidental injury leaves you unable to work. Illness cover can often be added, depending on the policy selected.
- [What Is Contract Works Insurance and Do You Really Need It?](https://www.alltradescover.com.au/blog/what-is-contract-works-insurance/): Key Takeaways:
- [Workers Compensation vs. Public Liability Insurance](https://www.alltradescover.com.au/blog/workers-compensation-vs-public-liability-insurance-explained-for-australian-businesses/): For many Australian tradies and small business owners, having both Workers Compensation and Public Liability insurance makes sense. Here’s when:
- [Do Sole Traders Really Need Workers Compensation Insurance?](https://www.alltradescover.com.au/blog/do-sole-traders-need-workers-compensation-insurance/): Updated July 2026
- [Do I Need Public Liability Insurance? 5 Things to Consider Before Deciding](https://www.alltradescover.com.au/blog/do-i-need-public-liability-insurance-5-things-to-consider-before-deciding/): Key Takeaways:
- [Do Builders Need Public Liability Insurance? Here’s What to Know](https://www.alltradescover.com.au/blog/do-builders-need-public-liability-insurance-heres-what-to-know/): Key Takeaways: 
- [Is Professional Indemnity the Same as Public Liability Insurance?](https://www.alltradescover.com.au/blog/is-professional-indemnity-the-same-as-public-liability/): No, Professional Indemnity Insurance is not the same as Public Liability Insurance. Public Liability Insurance may respond when your business activities cause third-party personal injury or property damage. Professional Indemnity Insurance may respond when a client alleges that your advice, design, documentation or professional service caused financial loss.
- [Contractor Public Liability Insurance Guide](https://www.alltradescover.com.au/blog/contractor-public-liability-insurance/): Often, we do not understand the value of things until we are at risk of losing them. And while we most sites place a huge emphasis on workplace safety, accidents can still happen - and those accidents can have consequences that could affect you in the long term. This is why contractor public liability insurance is extremely important for subbies to think about.
- [How Much Public Liability Insurance Do I Need as a Tradie?](https://www.alltradescover.com.au/blog/how-much-public-liability-insurance-tradies-need/): How Much Public Liability Insurance Do I Need?
- [Public Liability Insurance for Sole Traders: What You Should Know](https://www.alltradescover.com.au/blog/public-liability-insurance-for-sole-traders/): As a sole trader, you have a lot on your plate. So, spending your free time sorting out the different types of insurance coverage may not sound very attractive to you. Fortunately, All Trades Cover’s expert insurance brokers are dedicated to helping tradies find the right policies at the right price.
- [What is Professional Indemnity Insurance?](https://www.alltradescover.com.au/blog/what-is-professional-indemnity-insurance/): Updated July 2026
- [Why Tool Insurance is Important](https://www.alltradescover.com.au/blog/why-tool-insurance-is-important/): As a tradie, you know no project goes well unless you have the necessary pieces in place. While the list of necessities for a job may be extensive and vary depending on the profession, tools are always a consistent item on the list. A tradie cannot work without their tools. There are no questions about it.
- [Difference Between Income Protection and Accident and Sickness Insurance](https://www.alltradescover.com.au/blog/income-protection-vs-accident-sickness-insurance/): If you work in the trades, whether with your own business, as a subbie, or solo, you likely heard how important different types of insurance cover are to protect your business, equipment, and employees. Have you given much thought to cover that will protect you and your livelihood?
- [Personal Accident Insurance: What it is and Why You Need It](https://www.alltradescover.com.au/blog/why-you-need-personal-accident-insurance/): As a tradie, you know that you cannot operate without your equipment and tools. So, protecting them with insurance cover has a significant impact on your earning ability. However, what about protecting the driving force behind all aspects of your business, you.
- [All There is to Know About Commercial Motor Insurance](https://www.alltradescover.com.au/blog/commercial-motor-insurance-guide/): If you operate as a tradie, your tools, equipment, and your vehicles are vital to your success. Consider how much you depend on these and how difficult it would be to keep your business going if one or more were out of commission. You carry business insurance to protect yourself, but it may not be enough.
- [What Is Workers’ Compensation Insurance and What Does It Cover?](https://www.alltradescover.com.au/blog/what-is-workers-compensation-insurance-and-what-does-it-cover/): Workers Compensation Insurance is a statutory form of insurance that may help an employer meet certain costs when a worker is injured or becomes ill because of their employment.
- [Our Mining Insurance Explained](https://www.alltradescover.com.au/blog/our-mining-insurance-explained/): Working in the mining industry has its own unique risks involved. That is why we have tailored a specific insurance for the needs of a number of occupations working within the mining industry. Read on to learn more about mining insurance and see if it’s the right fit for you. 
- [How To Insure Your Tools and Property](https://www.alltradescover.com.au/blog/how-to-insure-your-tools-and-property/): Updated: 15/03/2023
- [Is Public Liability Compulsory in Australia?](https://www.alltradescover.com.au/blog/is-public-liability-compulsory-in-australia/): When it comes to public liability insurance, there is no straightforward answer, whether it is mandatory in Australia or not. For some businesses, it can be compulsory, whilst for others, it is merely one of the ways of protecting themselves, their business and their assets. It all depends on your trade and in what line of work you are involved. But it is essential to keep in mind that even if your trade doesn't require liability cover, you may still be at risk of a claim, which can result in significant financial loss. 
- [What Insurance Do I Need as a Self-Employed Tradie?](https://www.alltradescover.com.au/blog/what-insurance-do-i-need-as-a-self-employed-tradie/): Whether you are a carpenter, plumber, electrician or are self-employed in any other trade, it is vital to consider obtaining tradesman insurance. Unexpected events and accidents happen to all of us, so having insurance to back you up will not only protect you financially but will also maintain your peace of mind while at work. But what insurance is right for your business? In this guide, we talk about the most popular insurance types for tradespeople. 
- [How Much is Public Liability Insurance for Tradies?](https://www.alltradescover.com.au/blog/how-much-does-public-liability-insurance-cost/): One of the first questions we hear from tradies interested in public liability cover is usually, "how much is public liability insurance?" The average public liability insurance cost is $30-$60 per month. However, there are a number of factors that impact your insurance premiums. 
- [Everything a Sole Trader Needs to Know About Insurance](https://www.alltradescover.com.au/blog/what-insurance-does-a-sole-trader-need/): For some time now, about 62% of Australian businesses are sole traders without employees, comprising the majority of businesses in the country.
- [What is Tools of Trade Insurance?](https://www.alltradescover.com.au/blog/what-is-tools-of-trade-insurance/): Updated July 2026
- [Why is Workers Compensation Insurance Important for Tradies?](https://www.alltradescover.com.au/blog/why-is-workers-compensation-insurance-important-for-tradies/): When it comes to insurance, there are a few forms of cover for tradies which are highly recommended (we’re looking at you, public liability insurance) but they don’t tend to be compulsory. However, the exception is workers compensation insurance which is compulsory  in Australia if you have employees. But why is this form of cover so essential? Let’s take a closer look at why workers compensation insurance is so important for tradies.
- [Why do Tradies need Professional Indemnity Insurance?](https://www.alltradescover.com.au/blog/why-do-tradies-need-professional-indemnity-insurance/): While tradies are generally across their need to have public liability insurance and general property insurance in place, you’re probably less likely to think about professional indemnity insurance. After all, isn’t that reserved for professionals like doctors or lawyers? Well, this isn’t the case and there are many tradies who would benefit from have indemnity insurance in place. Let’s take a look at what you can expect with professional indemnity insurance for tradies.
- [Do Subcontractors Need Workers Compensation Insurance?](https://www.alltradescover.com.au/blog/do-subcontractors-need-workers-compensation-insurance/): Not only is workers compensation insurance an essential form of cover as it protects both employees and employers, it’s also compulsory in Australia. If you have employees working for you, you must legally have workers compensation insurance in place. But who is considered an employee? What about subcontractors? Today, we’ll be sharing what you need to know about subcontractors and workers compensation insurance.
- [The Benefits of Personal Accident Insurance](https://www.alltradescover.com.au/blog/the-benefits-of-personal-accident-insurance/): When we’re going about our daily work, we don’t often have the time to think about the worst case scenario. However, the unexpected could happen and there are times when tradies suddenly find themselves unable to work. If this happened to you, how would you cope financially? Well, that’s where personal accident and illness insurance comes in. Today, we’ll be taking a closer look at the many benefits of personal accident insurance.
- [The Builders’ Guide to Working With Ladders](https://www.alltradescover.com.au/blog/the-builders-guide-to-working-with-ladders/): A reality of working as a builder is that you’re required to work at heights and although you’re more than likely used to this, you need to make sure you stay safe to avoid injury. Today we’ll be doing a little refresher about working with ladders, one of the most common pieces of equipment used to work at heights, to help remind you of the safety tips you need to have in the back of your mind whilst on the job.
- [Top 5 Types of Insurance for Plumbers](https://www.alltradescover.com.au/blog/top-5-types-of-insurance-for-plumbers/): When you run a busy plumbing business, having a close look at your insurance probably isn’t on your priority list. However, insurance is designed to protect you and your business and it’s important you have the right policies in place. Today we’ll have a look at the top insurance policies that plumbers need to consider.

## Pages
- [Terms and Conditions – All Trades Cover Milwaukee Prize Pack Giveaway 2026](https://www.alltradescover.com.au/all-trades-cover-milwaukee-prize-pack-giveaway-2026-terms-and-conditions/): These Terms and Conditions are also available in a website version, where page navigation has been retained to assist online users.
- [Waterproofing Insurance](https://www.alltradescover.com.au/waterproofing-insurance/): The cost of waterproofing insurance depends on the size of your business, the type of waterproofing work you perform, where you operate, your claims history, your tools and equipment, and the level of cover required by your contracts.
- [Scaffolding Insurance](https://www.alltradescover.com.au/scaffolding-insurance/): The cost of scaffolding insurance depends on the size of your business, the type of scaffolding work you perform, your contract requirements, your workforce setup, and the covers you need. Because scaffolding involves height work, active construction sites, shared-site risks, and significant equipment exposure, insurers usually assess your full risk profile before calculating premium.
- [Traffic Control Insurance](https://www.alltradescover.com.au/traffic-control-insurance/): The cost of traffic control insurance depends on the size of your operation, the type of road environments you work in, the contracts you take on, and the level of cover required. Insurers usually assess your business activities, crew structure, equipment, vehicles, claims history, and contract obligations before calculating premium.
- [Letter of Appointment](https://www.alltradescover.com.au/letter-of-appointment/)
- [Structural Steel Erection Insurance](https://www.alltradescover.com.au/structural-steel-erection-insurance/)
- [Machinery & Plant Operators Insurance](https://www.alltradescover.com.au/plant-machinery-insurance/)
- [Electrician Insurance](https://www.alltradescover.com.au/electricians-insurance/): Liability Indemnity
- [Earthmoving and Excavation Insurance](https://www.alltradescover.com.au/earthmoving-and-excavation-insurance/)
- [Builders Insurance](https://www.alltradescover.com.au/builders-insurance/): When choosing your cover, consider:
- [Plumbers Insurance](https://www.alltradescover.com.au/plumbers-insurance/): When choosing your cover, consider:
- [Arborist Insurance](https://www.alltradescover.com.au/arborist-insurance/)
- [Removalist Insurance](https://www.alltradescover.com.au/removalist-insurance/)
- [Proven Workers’ Compensation Insurance in Australia](https://www.alltradescover.com.au/workers-compensation-insurance/)
- [Tailored Commercial Vehicle Insurance in Australia](https://www.alltradescover.com.au/commercial-vehicle-insurance/)
- [Trusted Contract Works Insurance in Australia](https://www.alltradescover.com.au/contract-works-insurance/)
- [Professional Indemnity Insurance Australia](https://www.alltradescover.com.au/professional-indemnity-insurance/)
- [Trade Business Insurance Australia](https://www.alltradescover.com.au/business-package-insurance/)
- [Property & Tools Insurance Australia](https://www.alltradescover.com.au/property-and-tools-insurance/)
- [Illness & Personal Accident Insurance Australia](https://www.alltradescover.com.au/personal-accident-illness-insurance/)
- [Mining Contractor Insurance](https://www.alltradescover.com.au/mining-contractors-insurance/)
- [Security Alarm and CCTV Installer Insurance](https://www.alltradescover.com.au/security-alarm-and-cctv-installer-insurance/)
- [Shade Sail and Outdoor Covering Installer Insurance](https://www.alltradescover.com.au/shade-sail-installers-insurance/)
- [Security Door and Shutter Installers Insurance](https://www.alltradescover.com.au/security-door-and-shutter-installers-insurance/)
- [Metal Fabrication Insurance](https://www.alltradescover.com.au/metal-fabrication-insurance/)
- [Kitchen Fitter Insurance](https://www.alltradescover.com.au/kitchen-fitter-insurance/)
- [Home Theatre and AV Installer Insurance](https://www.alltradescover.com.au/home-theatre-and-av-installer-insurance/)
- [Boilermakers Insurance](https://www.alltradescover.com.au/boilermakers-insurance/)
- [Flooring Contractors Insurance](https://www.alltradescover.com.au/flooring-contractors-insurance/)
- [Dog Walker Insurance](https://www.alltradescover.com.au/dog-walker-insurance/)
- [Cabinet Makers Insurance](https://www.alltradescover.com.au/cabinet-makers-insurance/)
- [Welders Insurance](https://www.alltradescover.com.au/welders-insurance/)
- [Tilers Insurance](https://www.alltradescover.com.au/tilers-insurance/)
- [Stone Mason Insurance](https://www.alltradescover.com.au/stone-mason-insurance/)
- [Solar Panel Installer Insurance](https://www.alltradescover.com.au/solar-panel-installers-insurance/)
- [Shop Fitters Insurance](https://www.alltradescover.com.au/shop-fitters-insurance/)