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Insurance solutions for tradies

From legal liability, to stolen tools and property damage, we can help arrange competitive insurance for all types of tradies.

                              0800 376 304

Cover we can arrange

Public liability insurance

If you accidentally injure or damage the property of a client or third party, you may be liable to compensate them for their loss – and the legal costs incurred. Public liability provides financial cover for your business up to the liability limit you choose.

Income protection insurance

Income protection can help compensate for serious injury or death as the result of an accident. Depending on the policy you choose, income protection insurance can provide financial cover against loss of income, medical bills and other expenses.

Tools and equipment cover

As the saying goes, a tradie is only as good as their tools. If your tools are damaged, lost or stolen, it can be an expensive exercise to get them replaced. Make sure your tools and equipment are covered for replacement or repair if damage or loss occurs.

Additional cover we can arrange

Product and services

Business vehicle insurance

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.


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Product and services

Business interruption cover

A storm, cyberattack or machinery breakdown can grind your business to a halt. Arrange business interruption cover to keep things moving.


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Product and services

Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

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Why should you consider tradies insurance?

If something goes wrong on your worksite, your business could be exposed to costly legal fees.

Insurance can help protect your employees, your clients and your livelihood. 

We’re ready to provide you with comprehensive cover at competitive rates.  

plumber discussing sink issue with client

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

In business, we've got your back

From mum and dad’s dairy, to national pizza chains, Marsh has a 60+ year history of supporting New Zealand’s business community. Our award-winning brokers are fluent in the latest global and Kiwi market insight and risk, but cut through the jargon to speak your language.  

Local expertise

Our New Zealand-wide network of brokers have spent years at the forefront supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language. 

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Award-winning experts

Marsh is a recognised industry leader, winning Large Broking Company of the Year 2022 and 2023 at the New Zealand Insurance Industry Awards

Tailored advice

Our experts understand your business’s unique risks. They can help you find the most comprehensive cover that’s right for your business.

Comprehensive and competitive

Marsh brokers use their expertise to find the best cover at the right price – so you get the best deal possible, without compromising cover.  

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. At Marsh, our brokers will spot your unique set of risks, match you to the right choice, and advocate for you on price.

female insurance broker talking to clients

Frequently asked questions

Yes. We can arrange monthly instalments* provided you meet certain criteria. Please be aware this option is currently unavailable online.

To request monthly payments, please contact our Trades team.

We strongly recommend considering professional indemnity insurance if you provide advice or design services to your clients. 

Professional indemnity insurance can cover your business for allegations of negligence involving a breach of professional duty. This is typically excluded under public liability insurance.

It depends.

If a subcontractor injures a third party or damages their property, they may be covered by their client’s public liability policy.

However, if a subcontractor is negligent and leaves their tools out, causing a third party to trip and injure themselves, then this claim may need to be made under the subcontractor’s policy.

As such, we strongly recommend subcontractors consider arranging their own public liability insurance to be appropriately covered.

A certificate of currency is proof that you hold a current insurance policy.   

Please contact us once you have accepted your policy and we will arrange for a certificate of currency to be sent to you from your insurer. 

Related insurance solutions

slected option

Subcontractor insurance

Subcontractors aren’t always covered by a builder’s insurance – even if the building site is. Let us arrange cover to help protect you.

Plumber insurance

The right plumber insurance can prevent financial leaks. We can arrange watertight cover on your behalf – tailored to your business.

Plasterers insurance

Plastering can be risky – but mistakes don’t have to cost your business. We can arrange plasterer cover tailored to you.

Painter insurance

Plastering can be risky – but mistakes don’t have to cost your business. We can arrange plasterer cover tailored to you.

Carpenter insurance

Woodwork is your thing. Insurance is ours. Keep your business and your tools covered with insurance arranged by Marsh.

Panel beater insurance

Panel beating is a hands-on job. Mitigate risks of damage and financial loss with tailored insurance – arranged by Marsh.

Auto electricians cover

Accidents happen – even to experienced electricians. Let us arrange your insurance to help keep you safe from losses and liabilities.

Mechanic insurance

There’s no quick fix for financial losses. Get coverage for accidents, errors or negligence with insurance arranged by Marsh.

Electricians insurance

Keep the danger out of your business operations. Let our expert brokers arrange insurance that meets your needs.

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*Interest and additional fees may be applicable.

Marsh Ltd (NZBN 9429040918792)(“Marsh”) arranges insurance and is not an insurer. This webpage contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or product disclosure statements available from Marsh on request.