Business insurance · Australia
Smart Business Insurance
Established AU broker — tradie public liability plus tools cover, monthly options
Market position
An Australian insurance broker (since 2013) serving sole traders and small businesses including trades. Unlike BizCover’s self-serve comparison or NRMA’s direct model, SBI is a traditional advised broker placing cover across a panel on the client’s behalf — comparable to Trade Risk’s specialist positioning but broader (retail/hospitality/trades/professional).
Australia-specific note
Corporate Authorised Rep (AR 437328) of United Insurance Group, part of Steadfast Group; est. 2013, Malvern VIC. Note: "Public Liability Australia" is the SAME business — they are not separate insurers.
Pros
- + Tradie public liability (incl. subcontractor/vicarious scenarios)
- + Dedicated tools insurance (hand + power tools, theft/damage/replacement)
- + Strong panel (Hollard, Vero, Zurich, Liberty)
- + Monthly payment option; decade+ track record, 1000+ 5-star reviews
Cons
- − Broker model = human-assisted quoting (business hours)
- − Public pricing indicative only
- − Runs multiple near-identical micro-brands
- − Generalist, not trades-only like Trade Risk
Typical Australia pricing
Public liability from ~$650/year or ~$60/month (indicative, self-employed tradie, no prior claims)
Why this matters for Australia trades
Licensing is state-administered (e.g., electrical and plumbing licenses per state/territory), and payroll software must lodge Single Touch Payroll (STP) to the ATO and handle superannuation and GST.
Australian trades vendor selection is shaped by state-based licensing, Single Touch Payroll (STP) reporting to the ATO, superannuation obligations, and GST handling — plus local lead-gen platforms like hipages.
Frequently asked
Is Smart Business Insurance a good fit for Australia trades?
An Australian insurance broker (since 2013) serving sole traders and small businesses including trades. Unlike BizCover’s self-serve comparison or NRMA’s direct model, SBI is a traditional advised broker placing cover across a panel on the client’s behalf — comparable to Trade Risk’s specialist positioning but broader (retail/hospitality/trades/professional). Corporate Authorised Rep (AR 437328) of United Insurance Group, part of Steadfast Group; est. 2013, Malvern VIC. Note: "Public Liability Australia" is the SAME business — they are not separate insurers.
What does Smart Business Insurance cost in Australia?
Public liability from ~$650/year or ~$60/month (indicative, self-employed tradie, no prior claims). Pricing and availability can change by region — confirm current Australia pricing on the vendor's site before committing.