Contractor Insurances

Tailored insurances for contractors and business owners.

Contractor insurance policies depend solely on the business that you are running.

We work with contractors and businesses everyday to ensure you have the correct insurance cover.

Speak with a broker today that will give you honest and reliable advice as well as competitively priced business insurance coverage policies.

Don’t spend countless hours shopping around for contractor insurances, we provide you the most competitive options the first time.

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What you need to know about

Contractor Insurance and how to cover your business correctly

Contractor Insurance policies are a very broad way of speaking in regards to your insurance policies. However, as a contractor, your business insurance policy requirements depend solely on the type of work that you’re doing.

As a business owner, you may need to purchase various types of insurance policies. These contractor insurances can help protect your business if something was to happen.

Here are some of the most common types of small business insurance policies that you may need:

It is an important step for any business owner that when they decide to go out on their own as their own business entity they are no longer considered an employee, they are considered a business. When you are a self-employed contractor performing professional services as part of your business operation, you have a legal liability and need to protect your business and its assets.

Industries we specialise in for contractor insurances:

  • Liability insurance for contractors
  • Professional contractors
  • Disability and allied health support workers
  • All types of trade contractors
  • High risk industries suchas asbestos removal and demolition
  • Online stores and retail outlets
  • Importing, exporting and manufacturing companies

We keep our paperwork to a minimum so its simple, quick and straight forward.

Why Priority Insurance Brokers?

Why should you use Priority Insurance Brokers to arrange your Contractor Insurance?

Stop paying more for insurance, get a quote now.

We've placed hundreds of contractor insurance policies

How can we help your business?


Optimise your cover

We ensure that your policies are providing you with the best level of cover. Don't pay for insurance that you don't need.


Reduce rising costs

We work with you and our insurers to continue to provide you the with competitive premiums across our network.


Tailored advice

Your dedicated account manager will work with you and tailor the advice to your business and what covers you should have in place.


Ongoing support

Your account manager will continue to provide you with professional insurance advice as your business grows and expands.

We have all the answers to your questions about

Insurance for contractors

Each policy is written on an individual basis however, as your insurance broker we are able to combine multiple policies into convenient monthly instalments. We structure our business this way because more often than not you actually pay for the convenience of having your policies bundled with the one insurer.

This way, we can get the best cover and premium for you and offer you a simple solution for paying your premium in monthly instalments. 

A contractor insurance policy isn't just one specific packaged insurance. It is assessing the risks to your business and then tailoring an insurance package that protects your business. 

No, you dont. 

As an Insurance Broker we do charge a Broker Fee and also receive a commission from the insurer. A Broker Fee is essentially the professional fee that we charge to manage your policy, any claims that arise and to ensure that your policy is providing you with the best cover available and that the pricing remains competitive. 

More often than not, when we provide a public liability insurance quote for a builder that has gone to an insurer directly for a price we can usually find a cheaper option that doesn't significantly reduce their cover. 

Anyone can use an Insurance Broker.

We work will all businesses, sole traders and individuals on their insurance needs including insurances for contractors.

Even if you would like to just talk to someone to gain some advice or get a second opinion our initial consultations and insurance reviews are completely free.

This is the way that we show our clients that we can provide them with value before committing to anything.

We work with contractors and business owners like you everyday.

During our initial discussions, we will learn how your business operates, what you do and how you do it. 

This usually gives us enough information to give you advice on what insurance policies you will need. 

Insurance for contractors is the same as any other business insurance policy so we can point you in the right direction of what insurance you need now, as the business grows and later down the track.

Yes thats right. 

Once we give you advice on the types of contractor insurance policies that you need as part of your business we can then put them in place for you. 

Once the policies are in place, we then continue working with you each year to continue providing insurance advice, making sure you get the best priced policies and notify you of any changes to your cover. 

We are a full service brokerage and also assist you with any claims management, policy updates and anything else related to your insurances that you need. 


Most Common Contractors Insurance Policies

this is just a common list of contractor insurances that we place for businesses

Business Package Insurance

Business Package Insurance

Convenient policy covering most business risks

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Public Liability Insurance

Public Liability Insurance

Cover against personal injury and property damage

Read More
Professional Indemnity Insurance

Professional Indemnity Insurance

Cover for professional advice that you provide

Read More
Plant & Equipment Insurance

Plant & Equipment Insurance

Packaged cover for plant items and machinery

Read More

Need a Broker who can assist with insurance for contractors ?We've got you covered.

We understand that running any business takes a lot of work and as a business owner you’re expected to be across every part of your business. We have made our process as simple as possible. 

All of our Brokers work with each electrical business to understand how your business runs. We can then give you advice on what is required to be in place to protect your business. 

contractor insurance
contractor insurance policy
contractor insurance policies

How to get a quote for contractor insurance policies

Speak with a Broker

The first step is to speak with an Insurance Broker so that we can ask questions about your business and get familiar with how you operate. This allows us to tailor a suitable package to your needs.

Discuss what policies you need

Once we understand how your contractor business runs we can give you an overview of what insurances that you need. This can be a range of just public liability insurance or other insurances such as tools cover, motor vehicle and income protection.

Present you with options

We will then contact a number of our insurers and request them to provide us with a quote. Once all of our quotes come back, we will review them and present you with the best option. We will outline our recommendation to you and seek your acceptance.

Organise payment options

Once we have your instructions to proceed with the policy we will then organise payment of the policies. Policies can be paid annually or via our monthly premium funding options.

Contractor Insurances - Frequently Asked Questions

If you are operating as your own business entity then you are responsible for any damages caused to the general public and third parties property. Regardless of whether you are responsible for your tools and equipment being damaged or stolen or not, you should also consider having these items covered if it could severely impact your business if they are stolen or damaged. 

If you are unsure of what insurance you should have in place as a contractor then its worth getting risk review completed, we offer this as a completely free service to any client or potential client. This provides you with a document which clearly outlines what potential insurances you may wish to consider.

A sub-contractor agreement is a popular way of companies to engage in their business. 

The reality is though on paper, you are two seperate businesses. 

The contracting business has contracted you to perform works that were agreed. If something didn’t go as planned and was a result of your negligence than the contracting business is quite within their rights to pursue you for damages. 

Even working as a contractor for your closest of friends or even family members has seen large financial disputes end up in court room. 

You are operating a business, regardless of the size and you should protect yourself.

A contractor is meant to be treated as its own business. 

Meaning that you can work for whoever you would like to. 

When you are engaged as a contractor there are a number of differences for your contractor. 

For example the contracting entity doesn’t need to cover you under workers compensation insurance, pay super or provide you any employee benefits like sick pay or annual leave. 

It is quite an advantage for a business to employe contractors as the costs are generally lower. 

This is why insurances for contractors are extremely important, especially liability insurance for contractors.

If you are working as a contractor, it is likely that you will need some form of insurance in order to protect yourself, your business and your clients. The type of insurance you will need will depend on the work you do and the contracts you have in place.

The cost of your insurance will depend on a number of factors including the type of work you do, the contracts you have in place and the level of cover you require. Talk to Priority today about your business needs and we’ll let you know all the ways in which we can help.

When you register an ABN you are registering your intention to start a business. 

As part of this process is when you should consider getting your insurances sorted. 

Understandably, registering your ABN and actually engaging in your business activities can take some time so its not uncommon for contractors to wait before putting a policy in place. 

At the absolute latest, you should have your contractors insurance policy in place and in effect before you engage in any activity including visiting customers sites, meeting for clients, issuing quotes or signing contractor agreements. 

We speak with contractors and business owners all the time. Even when they are considering the idea of starting a business. 

We offer free consultations to speak with start up businesses to assist with budgeting and planning for their insurances. 

We understand that all of these things come into consideration before you actually start a business so feel free to reach out at anytime. 

These policies are very different yet are commonly confused for eachother all the time. 

Public Liability insurance covers you for negligent acts that cause personal injury or property damage. 

Professional Indemnity insurance covers you for the professional services and advice that you provide. If this advice caused financial loss to one of your clients or you didn’t provide certain advice than a PI insurance policy will typically provide you cover against these claims. 

The most common types of insurances for contractors are your own public liability insurance, professional indemnity insurance and management liability insurance for contractors.

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