(08) 7092 2242
Get Covered Now

Finishing Trades Insurance Australia

For Subcontractors & Tradies

Australia’s Finishing Trades bring projects together. Responsible for the final touches on surfaces in buildings, such as flooring, painting, plastering and tiling, finishing trades face numerous potential daily risks. Business insurance for finishing trades can help protect your business and give you the peace of mind to work confidently.

Finishing trades are at the core of almost every project, from small office fit-outs to complex commercial construction on new high-rise buildings. They can work directly for clients and Tier 1 builders or subcontract to numerous head contractors.

The list of skilled finishing trades in Australia is long and ever-changing, but in general, these trades are:

  • Tilers
  • Floor covering installers
  • Painters
  • Glaziers
  • Plasterers
get a quote

Insurance Products for
Finishing Trades

Liability
Insurance

Plant
& Equipment

Legal
Expenses

Office &
Workshop

Management
Liability

Commercial Vehicle
Insurance

Reviewing Your
Insurance Products

Most finishing trades we meet understand risks such as product failure causing fire, third-party injury or damage, or the all-too-common theft of valuable tools or materials on-site. However, we often see businesses, both from Adelaide and other states, that don’t understand the scope of available cover across the complex nature of these businesses, mainly as new insurance products have developed to deal with changing business conditions. Whether you are a newly established business or have been operating for a long time, it is worth reviewing your mix of insurance products to decide if you need cover for risks such as:

  • Statutory liability to cover risks such as OHS and employment practices
  • Materials both on an away from site
  • Principal supplied materials
  • Tenant liability for leased premises
  • Cyber liability to protect valuable infrastructure and data
  • Machinery and electronic equipment breakdown
  • Legal liability for contract or payment disputes

The experts at Be Covered are here to do the heavy lifting and put the finishing touches on your insurance program. As Adelaide-based building and construction insurance specialists, we understand the Australian construction industry. We appreciate that every trade or business is different. Our job is to make sure you have the right products in place for your unique circumstances. With our knowledge and experience, we can tailor an insurance package to guarantee your business is protected.

Common Questions Answered

Finishing trades typically include plasterers, painters, tilers, and floorers. Each trade may have slightly different risk profiles and insurance needs.
Public liability insurance can protect you against accidental damage, such as paint spills, or resulting damage caused by incorrect installations.
Yes, with tools cover added to your policy, you're protected against theft or damage — even while working on-site or if your tools are left there overnight. Just make sure they're stored securely, such as in a locked toolbox to meet your policy conditions.
Yes, even residential jobs carry risks. Many clients also require proof of insurance before hiring contractors.
Yes, employees can be included in your policy — just be sure to provide accurate numbers so you're properly covered. Subcontractors should generally have their own insurance, but it's still important to declare if you use them, as your policy may carry some vicarious liability exposure from engaging subcontracted workers.

Do What You Do Best and
Let Us Get You Covered

Fill out the form to get started.

"*" indicates required fields

(08) 7092 2242