Insurance for Structural Trades in Australia
For Subcontractors & Tradies
Structural trades play a critical role in every construction project, helping build the framework and foundations that each stage depends on. With active sites, equipment, subcontractors and liability exposure, tailored structural trades insurance is essential.
Structural trades fashion the bones of every building project. From the foundations of the building to the framing, they facilitate the creation of our infrastructure, from small warehouse extensions to new high-rise dwellings.
With so many skilled trades, listing all the businesses Be Covered Insurance Brokers can assist is challenging. We like to say that if you are a building or construction specialist, you should speak to a building and construction insurance specialist like Be Covered. Based in Adelaide, we specialise in providing cost-effective insurance solutions for tradies in South Australia and interstate. No matter your work, our expertise in assisting businesses within the construction sector is second to none. We are confident that we can provide a comprehensive insurance solution for your business.
The list of these skilled trades is long and ever-changing. Generally, these trades are:
- Steel fixers
- Steel fabricator
- Concreters
- Concrete Form workers
- Carpenters
Be Covered
Can Help You:
- Understand what your insurance needs are and what are your “Must haves”, “Wish list”, and “Don’t need” insurances to fit within your current needs and budget
- Negotiate coverage and pricing on your behalf utilising our access to exclusive products and ‘bulk buying’ prices not usually provided directly to clients
- Your claims advocate in the unfortunate event of a claim, making sure your claims are actioned swiftly, and you receive all the benefits to which you are entitled
Insurance Products for
Structural Trades
Reviewing Your
Insurance Products
Many trade businesses understand common risks such as property damage, third-party injury claims, accidental damage caused during work, or the theft of valuable tools and equipment on-site.
What is often less understood is whether their current insurance still reflects how their business operates today. As workloads increase, teams expand, and risks change, outdated cover can leave important gaps in protection.
Whether you’re newly established or have been operating for years, it’s worth reviewing your insurance to ensure you have the right protection in place for risks such as:
- Statutory liability to cover risks such as OHS and employment practices
- Professional indemnity for design risk and pure economic loss claims
- Materials both on an away from site
- 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
Be Covered Insurance Brokers specialises in providing insurance advice exclusively to businesses in the construction and building industry. Our focused approach gives us a strong understanding of the risks, project demands and operational challenges faced by structural trades.
We know that every business operates differently, which is why we tailor our advice and insurance solutions to suit your specific circumstances. Whether you’re a sole trader, subcontractor or established company, we help arrange practical cover designed around your needs.
Whether you’re based in Adelaide or anywhere across Australia, speak with our team for a no-obligation discussion about your insurance requirements.
Common Questions Answered
Structural trades often require a mix of cover depending on the work they perform and the size of their business. Common covers include public liability insurance, tools and equipment cover, commercial vehicle insurance, workers compensation (if staff are employed), and contract works insurance.
Structural contractors typically need Contract Works, Public Liability, and Professional Indemnity (Design & Construct) cover is also essential. In addition, you should consider Motor, Tools, and Plant & Equipment insurance to protect your vehicles, gear, and machinery on and off site.
Only with a Professional Indemnity or Design & Construct policy. This covers claims from design flaws, engineering errors, or professional advice — including in-house services, sub-contracted out services, client-provided designs, or vicarious liability if you're construction-only.
Yes, but coverage depends on how the crane is used—whether it's a standalone crane, vehicle-mounted, or hired in—so it’s important to let us know the setup to arrange the right cover.
Yes, your Public Liability policy can be extended to cover both off-site fabrication and on-site installation, as long as this is declared.
Yes, on-site welding is covered if it's part of your declared business activities—just make sure to include it. Some policies have strict hot works conditions, but at Be Covered we can help find a policy that works for you, not against you.
Do What You Do Best and
Let Us Get
You Covered
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