NZ Tradie Insurance Coverage Types
Eight essential insurance covers for New Zealand tradespeople — explained clearly so you can choose exactly what your business needs.
Public Liability Insurance
Protect against third-party injury and property damage with public liability insurance. NZ$1m-$5m coverage from NZ$30/month. Required by most contracts.
Learn more →Tools & Equipment Insurance
Insure tools and equipment against theft and accidental damage. Covers locks ute, on-site theft, new-for-old replacement. From NZ$15/month.
Learn more →Commercial Vehicle Insurance
Insure your work vehicle with comprehensive commercial cover. Third-party liability, windscreen, roadside assistance. Utes from NZ$100/month.
Learn more →Income Protection Insurance
Protect your income if you can't work due to illness or injury. Covers up to 75% of income. ACC doesn't cover illness.
Learn more →Statutory Liability Insurance
Cover WorkSafe fines and penalties. Protects against Health & Safety at Work Act violations. From NZ$20/month.
Learn more →Professional Indemnity Insurance
Cover for errors in design, advice, and specifications. Essential for design-and-build builders. From NZ$50/month.
Learn more →Contents & Property Insurance
Insure your workshop, depot, or yard. Covers building, stock, equipment, natural disaster. From NZ$50/month.
Learn more →Building Insurance
Insure commercial buildings and structures. Fire, weather, earthquake, accidental damage. Rebuild cost cover.
Learn more →