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Tradie Insurance.
Get 2–3 personalised quotes from NZ's leading insurers within 24 hours. Public liability from NZ$30/month.
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Coverage Types We Compare
Eight essential insurance types — compare NZ providers side by side and find the right fit for your trade.
Public Liability Insurance
Protect against third-party injury and property damage with public liability insurance.
Learn more →Tools & Equipment Insurance
Insure tools and equipment against theft and accidental damage.
Learn more →Commercial Vehicle Insurance
Insure your work vehicle with comprehensive commercial cover.
Learn more →Income Protection Insurance
Protect your income if you can't work due to illness or injury.
Learn more →Statutory Liability Insurance
Cover WorkSafe fines and penalties.
Learn more →Professional Indemnity Insurance
Cover for errors in design, advice, and specifications.
Learn more →Contents & Property Insurance
Insure your workshop, depot, or yard.
Learn more →Building Insurance
Insure commercial buildings and structures.
Learn more →Insurance for Every Trade
Specialised cover for 9 distinct trades
Builder Insurance
from NZ$150–400/month
View coverage →Plumber Insurance
from NZ$100–250/month
View coverage →Painter Insurance
from NZ$80–180/month
View coverage →Carpenter Insurance
from NZ$100–220/month
View coverage →Electrician Insurance
from NZ$120–280/month
View coverage →Bricklayer Insurance
from NZ$100–220/month
View coverage →Roofer Insurance
from NZ$150–350/month
View coverage →Concreter Insurance
from NZ$100–230/month
View coverage →Handyman Insurance
from NZ$60–150/month
View coverage →How It Works
Getting the right tradie insurance takes less than 24 hours — from first enquiry to coverage in place.
Tell Us About Your Trade
Fill in our 2-minute form — your trade, business size, and coverage needs. No jargon, no pressure.
We Compare 6+ Providers
Our licensed broker network queries AMI, State, FMG, Builtin, BizCover, Gallagher and more to find the best fit.
You Choose & Save
Review your personalised quotes side by side. Pick the cover that's right for your trade and budget — no obligation.
No credit card required · Response within 24 hours
Providers We Compare
Our broker network compares quotes across all providers — view full comparison →
Latest Articles
Expert guides on tradie insurance in NZ
The Complete Guide to Tradie Insurance in New Zealand (2026)
A comprehensive guide to tradie insurance in NZ covering public liability, tools, vehicles, income protection, and more. Learn what every tradie needs to protect their business.
Public Liability Insurance for Tradies: What You Need to Know
Everything tradies need to know about public liability insurance. Coverage limits, what's included, costs, and why it's practically mandatory in NZ.
Tradie Tool Insurance NZ: How to Protect Your Equipment in 2026
Complete guide to tool and equipment insurance for NZ tradies. Coverage options, cost, theft prevention, and what's covered.
Ready to Protect Your Trade?
Get 2–3 personalised quotes from NZ's top tradie insurance providers within 24 hours.
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- ✓24-hour response
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Frequently Asked Questions
Common questions about tradie insurance in NZ
Is tradie insurance mandatory in New Zealand?▼
Public liability insurance is not legally mandatory, but it is practically required. Most councils require proof of public liability before issuing building consents, and most contracts require valid insurance. Without it, you cannot realistically work as a professional tradie.
How much does tradie insurance cost?▼
Costs vary significantly by trade, business size, and location. Typical range: sole traders NZ$60–150/month, small businesses NZ$150–300/month, larger businesses NZ$300–500+/month. Get quotes from multiple providers to compare costs for your specific situation.
What is the difference between public liability and tools insurance?▼
Public liability covers third-party injury and property damage caused by your work. Tools insurance covers damage to or theft of your own tools and equipment. Most tradies need both.
Does ACC cover me if I can't work?▼
ACC covers accidental injuries but not illness. If you get seriously ill, ACC won't pay anything. Income protection insurance covers both illness and injury, filling the gap ACC leaves.
Can I use personal car insurance for work?▼
No. Personal car insurance explicitly excludes commercial use. If you use your car for work and have an accident, your insurer can refuse to pay. You need commercial vehicle insurance for work use.