Business insurance · Australia
Allianz Australia (Contractors & Tradies)
Direct insurer: tradie liability and tools cover, bought online or by phone, monthly at no extra cost
Market position
Allianz Australia Insurance Limited issues this Business Insurance Pack cover for contractors and tradies itself, rather than arranging it as a broker. Allianz says Allianz Australia is a wholly owned subsidiary of Allianz Group and has insured Australians for over 100 years. The pack combines public and products liability, general property cover for tools and portable equipment, and optional commercial vehicle cover, quoted online or by phone.
Australia-specific note
Issued by Allianz Australia Insurance Limited (ABN 15 000 122 850, AFSL 234708). Allianz points out that a contract may set a minimum public and products liability amount, and that workers' compensation is compulsory in every state and territory for businesses with employees.
Pros
- + Public liability included in online Business Insurance Pack quotes
- + Tools and portable equipment covered if accidentally damaged or stolen from a secure location, anywhere in the world
- + Pay monthly or annually at no extra cost, Allianz says
- + Certificate of Currency emailed instantly after purchase
- + Optional commercial vehicle cover (up to 2 vehicles online, up to 20 by phone)
Cons
- − No public prices; premium depends on covers, limits and trade
- − Allianz's own cover only, with no comparison across insurers
- − Commercial vehicle cover needs liability or commercial property on the same policy
- − Tool theft is covered from a secure location only
Typical Australia pricing
Quote-based; no public prices. Allianz says paying monthly costs the same as paying annually (minor rounding and bank-fee adjustments may apply).
Why this matters for Australia trades
Trade licensing is run by the states: Building Commission NSW issues NSW building and trade licences, QBCC licenses Queensland builders, plumbers and drainers (electrical work is licensed separately by the Electrical Safety Office), Victoria’s Building and Plumbing Commission registers and licenses plumbers, Building and Energy registers WA builders and licenses electricians, plumbers and gas fitters, and CBS licenses South Australian building and PGE contractors. Automatic Mutual Recognition lets licence holders from participating states work in NSW and, depending on the occupation, in WA, usually after notifying; Queensland does not take part. Employers report pay and super to the ATO through STP-enabled payroll software each payday, and from 1 July 2026 must pay the 12% super guarantee when they pay wages.
Australian trades vendor selection is shaped by state-based licensing, Single Touch Payroll (STP) reporting to the ATO, super guarantee payments (due with each pay run under Payday Super from 1 July 2026), GST registration once turnover reaches $75,000 (per business.gov.au), and local lead services such as hipages, Localsearch and Yellow Pages.
Frequently asked
Is Allianz Australia (Contractors & Tradies) a good fit for Australia trades?
Allianz Australia Insurance Limited issues this Business Insurance Pack cover for contractors and tradies itself, rather than arranging it as a broker. Allianz says Allianz Australia is a wholly owned subsidiary of Allianz Group and has insured Australians for over 100 years. The pack combines public and products liability, general property cover for tools and portable equipment, and optional commercial vehicle cover, quoted online or by phone. Issued by Allianz Australia Insurance Limited (ABN 15 000 122 850, AFSL 234708). Allianz points out that a contract may set a minimum public and products liability amount, and that workers' compensation is compulsory in every state and territory for businesses with employees.
What does Allianz Australia (Contractors & Tradies) cost in Australia?
Quote-based; no public prices. Allianz says paying monthly costs the same as paying annually (minor rounding and bank-fee adjustments may apply). Pricing and availability can change by region; confirm current Australia pricing on the vendor's site before committing.