Tradies rely on their tools, vehicles, and physical capability to keep their business running — which means even a small setback can have a big financial impact. From stolen gear to damaged worksites or unexpected injuries, the right insurance helps safeguard your livelihood and keeps your projects moving. This section outlines the key protections that support tradies across Central Otago and Southland, ensuring you stay covered wherever the job takes you.

Tools and equipment damage 

Cover for theft, damage, and loss. Your tools are your livelihood. If they’re stolen, damaged, or lost, tool insurance ensures you’re not left out of pocket. We’ll help you find cover that reflects the true value of your gear, so you can get back to work quickly.

Vehicle and trailer cover

For work utes, vans, and trailers. From work utes and vans to trailers packed with equipment, we understand that your vehicles keep your business moving. We arrange policies that protect against accidents, theft, and damage, keeping your wheels on the road and your jobs on schedule.

Public liability 

Protection if someone is injured or property is damaged. On the jobsite, mistakes and accidents happen frequently, and the financial repercussions can be serious. We can arrange policies that help protect yourself and your business in the case somebody is injured or property damaged. We can tailor a solution that is specific to your operation and level of risk associated with your business. We want to give you the confidence, knowing you will be protected even in the unexpected.

Contract works

Cover for projects under construction. If you are building, working on an alteration or renovation, contract works insurance cover is critical to your operations. We can help you be protected against sudden and unexpected losses to your worksite or works specified in contract. Examples of claims can cover fire damage, theft of material, storm/flooding damage and vandalism. These circumstances all have the capacity to disrupt or halt your workflow, so futureproof your workspace today and get in touch with our experienced team.

Income protection 

Support if you’re unable to work due to injury or illness. Whether due to illness, injury, or the absence of a key person - can have serious consequences for your business. We work with tradies to understand their tolerance for income disruption and build insurance packages that reflect their needs. We understand each trade business is unique, and there’s no one-size-fits-all solution, so we prioritise focus on clarity, flexibility, and responsiveness to ensure your cover supports you when it matters most, so you can have confidence that your projects can continue as scheduled.