Business insurance · Australia · Head-to-head
Allianz Australia (Contractors & Tradies) vs BizCover (AU)
Two Australia business insurance options, compared side by side for Australia trades.
Which should you choose?
BizCover (AU) edges ahead on our Australia tiering (Tier S vs A), but both are workable — the right pick depends on your trade, region, and the Australia-specific notes below.
Allianz Australia (Contractors & Tradies)
Tier A · WorkableMajor direct insurer — tradie public liability plus tools, fee-free monthly instalments
A global insurer with a major Australian presence; here it is the direct insurer/underwriter of its own tradie product (not a broker or comparison site). The key contrast with BizCover — which merely lists Allianz on its panel — is that going direct means dealing with the underwriter itself, with top-tier scale and in-house claims, similar to NRMA Business.
Pros
- + Public liability included in the tradie/contractor pack
- + Tools & portable equipment via General Property cover (worldwide)
- + Pay monthly at no extra cost
- + Direct underwriter with in-house claims + optional commercial-vehicle cover
Cons
- − Quote-only pricing (no public rate)
- − Big-insurer experience less tradie-tailored than Upcover/Trade Risk
- − No panel breadth (Allianz’s own pricing only)
- − Heavier quote flow than Upcover’s 2-question journey
Australia note
Direct AU underwriter — Allianz Australia Insurance Limited (AFSL 234708). A direct-insurer alternative to BizCover’s comparison model (BizCover lists Allianz/QBE on its panel).
BizCover (AU)
Tier S · RecommendedAU's largest online business insurance comparison — 800+ trade types, panel of major AU insurers
BizCover is AU's largest online business insurance comparison platform — covers 800+ trade types with major AU insurers (QBE, Zurich, Allianz, CGU, Vero) on the carrier panel. Same-day cover for most simple cases. AU equivalent of Simply Business in UK / NEXT in US, with broader carrier comparison than direct-carrier alternatives.
Pros
- + Largest AU online business insurance comparison (800+ trade types)
- + Major AU insurers on the panel — comparison shopping in one form
- + Same-day cover for most simple cases
- + Mature AU-specific compliance handling
Cons
- − Quote variance across carrier panel can be wide
- − Claims handled by selected underlying carrier, not BizCover
- − Limited affiliate program for publishers
Australia note
Public Liability typically AU$400-$1,200/year for trades. BizCover automatically includes ABN/ASIC verification.
More Australia options
See all Australia business insurance vendors and the rest of the Australia directory.