Trades Insurance

Trades Insurance

Whether you are an electrician, carpenter, plumber or other tradesperson, we can tailor flexible insurance policies to suit your needs.

Contact a broker from one of our offices to learn more.

Insurance for Trades


Protecting the tools, time, and trust behind your trade

Plumbers, painters, electricians, HVAC specialists, carpenters, and other tradespeople all face unique risks that can impact their work and livelihood. Accidental damage, theft, injury, or cyber threats can interrupt a project and cause costly downtime.

At MGA Insurance Group, we understand the realities of working in the trades and the challenges that come with running a hands-on business. Our brokers work closely with you to build an insurance package that protects every part of your operation — so you can stay focused on the job.

Public Liability Insurance


Even the most experienced tradespeople can face unexpected incidents. Public Liability Insurance provides protection if your work causes injury or property damage to another person. It’s essential cover for anyone working on residential, commercial, or industrial sites.

MGA brokers assist in tailoring each policy to suit your trade and the environments you work in, ensuring that you have the right level of protection in place for peace of mind.

Commercial Motor Insurance


Your vehicle keeps your business moving. Whether you’re travelling between jobs, transporting materials, or visiting clients, an accident can mean costly downtime.

MGA works with leading insurers to arrange commercial motor cover that can include:

  • Up to $7,500 of unspecified accessories fitted to your vehicle
  • Hire car availability while yours is being repaired
  • Excess-free windscreen cover and replacement of vehicle signwriting

Our brokers can assist in keeping your business mobile and your work uninterrupted.

Tools of Trade Insurance


Your tools are vital to your trade. Damage or theft can quickly stop projects and affect your income.

MGA arranges cover that protects your tools and equipment anywhere in Australia, including:

  • Theft from vehicles, site sheds, or home offices
  • Options to insure employee tools
  • Replacement cover to keep you operational without delay

Sickness and Accident Insurance


The most valuable part of your business is you. If you’re injured or unable to work, Personal Accident and Illness Insurance provides financial support so you can focus on recovery rather than lost income.

MGA can assist in tailoring cover that offers:

  • Sickness and Accident options
  • Protection 24/7 or during nominated work hours
  • No medical assessments on application (pre-existing conditions excluded)
  • Eligibility up to age 70

Cyber Insurance


Digital risks are now part of doing business in every trade. Hacked email accounts, invoice scams, and ransomware can cause major disruption and financial loss.

MGA brokers have access to cyber insurance that covers:

  • Cybercrime, data breaches, and system recovery costs
  • Business interruption and financial loss due to cyber incidents
  • IT forensics, crisis management, and legal support

Cyber Insurance assists in protecting your livelihood against one of the fastest-rising business risks in Australia.

Why MGA Trades?


With over 50 years of experience and a strong network of brokers nationwide, MGA Insurance Group provides more than just insurance. We offer trusted advice, tailored solutions, and ongoing support to help keep your business protected.

Your MGA broker will:

  • Review your existing policies and identify any gaps
  • Compare options across leading insurers
  • Tailor cover to match your trade, tools, and business setup
  • Assist through the claims process so you can get back to work quickly

Cyber Insurance assists in protecting your livelihood against one of the fastest-rising business risks in Australia.

Talk to an MGA Insurance Broker


No matter your trade, MGA Insurance Group can assist in protecting your business, equipment, and income.

Contact a broker from one of our offices to learn more.

Available covers

  • Public and product liability
  • Tools of trade
  • Motor vehicles (including trailers)
  • Personal accident and illness
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