Compare NZ Tradie Insurance Providers
Side-by-side coverage, ratings, and pricing across NZ's leading tradie insurance providers.
✓ Tick = coverage offered by this provider | — = not typically offered or varies | Always confirm policy details with your broker before purchasing.
Coverage Comparison Table
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| ⭐ Top Rated | ||||||
| Coverage Type | AMI 4/8 types | State Insurance 3/8 types | FMG 4/8 types | Builtin 4/8 types | BizCover 3/8 types | Gallagher 4/8 types |
|---|---|---|---|---|---|---|
| 🛡️Public Liability→ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| 🔧Tools & Equipment→ | ✓ | ✓ | ✓ | ✓ | ✓ | — |
| 🚚Commercial Vehicle→ | ✓ | ✓ | — | — | ✓ | — |
| 💰Income Protection→ | — | — | — | — | — | ✓ |
| ⚖️Statutory Liability→ | ✓ | — | — | ✓ | — | ✓ |
| 📋Professional Indemnity→ | — | — | — | ✓ | — | ✓ |
| 🏠Contents & Property→ | — | — | ✓ | — | — | — |
| 🏗️Building Insurance→ | — | — | ✓ | — | — | — |
| Overall Rating | 4.2/5 ★★★★★ | 4/5 ★★★★★ | 4.3/5 ★★★★★ | 4.5/5 ★★★★★ | 4.1/5 ★★★★★ | 4.4/5 ★★★★★ |
| Best For | Small to medium businesses wanting comprehensive cover | Tradies wanting simple, affordable commercial vehicle cover | Rural and regional NZ tradies | Builders and construction businesses | Sole traders wanting quick affordable cover | Larger businesses and complex risks |
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Provider Profiles
Detailed breakdown of each insurer's strengths and ideal customer.
AMI
Good for comprehensive packages including cover for employees' tools (NZ$5,000). Strong nationwide presence.
Strengths
- ✓Comprehensive packages
- ✓Employees' tools cover
- ✓Nationwide branches
- ✓Claims support
Best for
Small to medium businesses wanting comprehensive cover
State Insurance
Known for straightforward, affordable cover and roadside rescue for commercial vehicles.
Strengths
- ✓Affordable premiums
- ✓Simple online process
- ✓Roadside rescue included
- ✓Commercial vehicle specialists
Best for
Tradies wanting simple, affordable commercial vehicle cover
FMG
Specialises in rural trades and commercial buildings/assets. Strong in regional NZ.
Strengths
- ✓Rural trade specialists
- ✓Commercial building cover
- ✓Regional NZ focus
- ✓Farm and rural expertise
Best for
Rural and regional NZ tradies
Builtin
Focuses on tailored insurance for construction and trades. NZ-owned specialist.
Strengths
- ✓Construction specialists
- ✓Tailored policies
- ✓NZ-owned
- ✓Contract works cover
Best for
Builders and construction businesses
BizCover
Good for instant, online comparison of multiple providers. Often competitive pricing.
Strengths
- ✓Instant online quotes
- ✓Multiple provider comparison
- ✓Competitive pricing
- ✓Fast policy issue
Best for
Sole traders wanting quick affordable cover
Gallagher
Global broker with NZ expertise. Best for complex, high-value risks.
Strengths
- ✓Global expertise
- ✓Complex risk specialists
- ✓High-value cover
- ✓Dedicated account managers
Best for
Larger businesses and complex risks
Tips for Comparing Tradie Insurance
Tool Theft Requirements
Check if the policy covers tools in an open ute tray — most policies only cover tools in a locked vehicle.
Defective Workmanship
Ensure your liability policy includes damage to the item you were working on, not just third-party property.
Broker vs. Direct
Brokers can tailor policies for complex risks; direct insurers are faster for simple, low-risk sole trader cover.
Excess Structure
Compare excess amounts carefully for tool claims — a high excess can make a small claim not worth making.
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