Contractor Specialists
20+ years of experience working with contractors
270k Businesses Covered
Trusted by businesses Australia-wide
All Policies, One Place
Cover from public liability to general property and beyond
Compare Options
And get documents fast once cover is arranged
Contractor Cover helps contractors and subcontractors arrange insurance online. We understand the risks contractors face across different industries and the need to arrange suitable cover quickly, so we offer simple online quotes, flexible options, and policy documentation available once cover is accepted. It is insurance designed around how contractors operate, with cover subject to policy terms, conditions, limits, and exclusions.
Public liability insurance provides financial protection against claims for third-party personal injury or property damage arising from your work, and it may also cover associated legal defence costs, subject to the policy.
Professional Indemnity Insurance can help protect contractors against claims arising from alleged errors, omissions, negligence, or breach of professional duty in their professional services, subject to the policy.
General property insurance covers you if your transportable items, such as tools and other equipment, are lost, damaged or stolen. These costs can include repairs and replacements.
Personal accident and illness insurance may provide financial support if you’re unable to work due to an injury or illness. Benefits are subject to eligibility, waiting periods, benefit limits, exclusions, and the terms and conditions of the policy.
Tax Audit Insurance can help cover certain accountant or adviser fees incurred when responding to an ATO audit, review, inquiry, or investigation, subject to the policy terms, conditions, limits, and exclusions.
Workers Compensation Insurance is generally required if you employ workers, with requirements varying by state and business structure. It helps cover statutory benefits for work-related injuries or illnesses.
Specialist contractor insurance: Cover tailored specifically for contractors, subcontractors, and small businesses.
Fast quotes and instant documents: Get covered online in minutes and receive proof of insurance immediately, subject to policy terms.
Only pay for what you need: Flexible options designed to suit sole traders and small teams.
All policies in one place: Public Liability, Tools Cover, Professional Indemnity, Personal Accident and more.
Every contractor’s risk profile is different. That is why we offer contractor insurance tailored to your specific occupation, with options designed to match how you work, your contractual requirements, and your level of exposure. From trades and construction roles through to consultants and creatives, you can find cover options aligned to your job needs, subject to policy terms and insurer acceptance.
Pricing & Cover Levels
The cost of contractor insurance varies depending on your occupation, turnover, risk profile, and the level of cover selected. There is no single price. Here are the key factors insurers consider when calculating your premium.
Several factors influence the cost of contractor insurance. Understanding them helps you choose suitable cover for your business.
Selecting an appropriate limit is an important part of arranging contractor insurance. Commonly selected limits include:
Premiums are subject to individual underwriting, insurer acceptance, and policy terms, conditions, limits, and exclusions.
Simple. Fast. Contractor-Focused.
Getting the right cover for your trade or profession takes minutes, not days. Here's how we get you protected and on-site fast.
Complete our short online form — your trade, type of work, turnover, and whether you work with subcontractors or employees.
Review and compare cover options and limits relevant to your trade, contracts, and site requirements, whether online or with broker support.
Your policy is placed and your Certificate of Currency issued — often within minutes — so nothing stands between you and the job.
Cover subject to policy terms, conditions, exclusions, and insurer acceptance.
Contractor Cover is the one-stop insurance shop for contractors across Australia.
We help contractors, subcontractors and small businesses compare commonly arranged business insurance options in one place. Choose from available cover types and limits based on your trade, business activities and contract requirements, subject to insurer acceptance, policy terms, conditions, limits and exclusions.
Call our team today at 1300 438 268 for more information or fill in our easy online quote form.
270k+ businesses covered
20+ years of experience
Contractor insurance specialists
At Contractor Cover, we’re proud to have a dedicated executive team that brings decades of experience, strategic insight, and an unwavering commitment to supporting Australian contractors.
John Elliott is the founder of Elliott Insurance Brokers, the business behind Contractor Cover. With nearly 20 years of insurance industry experience, John helps guide the business with a focus on practical cover, reliable service and clear support for Australian contractors.
Rachael Milne joined Elliott Insurance Brokers in 2012 and supports the systems, planning and financial structure behind Contractor Cover. Her work helps the business operate smoothly while supporting clear, reliable insurance services for contractors Australia-wide.
Kris Wright supports Contractor Cover through technology, systems and process improvement. His work helps keep the online quote experience simple, organised and efficient, making it easier for contractors to compare cover options and access documents quickly.
Tim Stingers brings more than a decade of insurance experience, with a strong focus on trades and construction. His knowledge helps support contractor-focused cover options for tradies, subcontractors and small construction businesses.
General property insurance protects your transportable tools, equipment and business items from loss, damage or theft. Contractors and…
Public liability insurance is a type of insurance that protects contractors and businesses if a third party claims…
Professional indemnity insurance protects Australian tradespeople and professionals when a client claims they suffered a financial loss because of your advice,…
Contractor insurance refers to a range of insurance policies designed to protect contractors from the risks and liabilities associated with their work.
It may help mitigate the financial risks that come with contracting work, offering peace of mind and ensuring that you’re covered in case of unexpected events or accidents.
Contractor insurance can include a combination of policies depending on your needs. This may include protection for third-party injury or property damage, professional negligence claims, tool and equipment loss, or income protection due to injury or illness. Cover is subject to policy terms, limits, and exclusions.
Many contractors arrange insurance to protect against claims, contractual risks, or loss of income. In some cases, clients, head contractors, or licensing bodies may require specific cover before work can begin.
Subcontractor arrangements vary. In some cases, subcontractors may need their own insurance, while in others, they may be covered under the principal contractor’s policy if disclosed and accepted by the insurer.
Independent contractors often arrange their own insurance, particularly when working under contract. Many clients require proof of cover before engaging an independent contractor.
Public Liability insurance is commonly required for contractors who work on client sites or interact with members of the public. It may respond to claims involving third-party injury or property damage arising from your work, subject to policy terms and conditions.
If you employ workers, you are generally required to hold Workers Compensation insurance under state legislation. Requirements vary depending on your state and business structure.
Professional Indemnity insurance may be relevant for contractors who provide advice, design, consulting, or other professional services. It is often required under contracts or by regulatory bodies.
