Business insurance · Australia · Head-to-head

Allianz Australia (Contractors & Tradies) vs Trade Risk

Two Australia business insurance options, compared side by side for Australia trades.

Which should you choose?

Allianz Australia (Contractors & Tradies) and Trade Risk are both Tier A, which every business insurance entry without a reputation warning receives, so the tier does not separate them. Weigh the pros, cons, pricing and Australia-specific notes below against your trade and region.

Allianz Australia (Contractors & Tradies)

Tier A · Listed

Direct insurer: tradie liability and tools cover, bought online or by phone, monthly at no extra cost

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.

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

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

Australia 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.

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).

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Trade Risk

Tier A · Listed

Brisbane-based insurance broker for trade businesses, run by Trade Risk Pty Ltd

Trade Risk is an insurance broker focused on trade businesses, operated by Trade Risk Pty Ltd, a Queensland company registered in 2012 and founded by Shane Moore. Its website describes broking public liability, personal accident and tool insurance for tradies, with a focus on the construction trades. As a broker it quotes each business individually rather than selling cover off the shelf.

Pros

+ Broker focused on trade businesses, including the construction trades
+ Arranges public liability, personal accident and tool insurance
+ Operating since 2012, with a Brisbane office

Cons

− No published prices could be checked: each policy is quoted
− Ask which insurer underwrites each policy and whether a broker fee applies
− Enquiry and quote process rather than instant online cover

Australia note

Trade Risk Pty Ltd (ABN 51 157 750 751) is registered in Queensland, with business names including Trade Risk Insurance Brokers, Tradies Insurance, Patch Insurance Brokers and Income Protection Australia. Its website gives an office in Hendra, about 15 minutes north of the Brisbane CBD.

Typical Australia pricing: Quote-based; no public prices could be checked

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More Australia options

See all Australia business insurance vendors and the rest of the Australia directory.

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