Trades Pack Insurance on the Sunshine Coast: Protecting Local Tradies

Introduction

If you’re a tradie, your tools, equipment, vehicle, and physical ability to work are your livelihood. Whether you’re an electrician in Buderim, a plumber in Maroochydore, or a carpenter anywhere on the Sunshine Coast, protecting your business against unexpected risks is crucial.

That’s where a Trades Pack Insurance policy comes in. It’s a tailored business insurance package designed specifically for tradespeople, combining the covers most relevant to contractors into one simple, cost-effective policy.

At Design Cover Insurance Brokers, we help tradies secure affordable Trades Pack Insurance that fits their trade, gear, and income needs—so you can get on with the job without worrying about financial setbacks.

What Is Trades Pack Insurance?

Trades Pack Insurance is a bundled insurance solution created for Australian tradespeople. Rather than purchasing multiple separate policies, a trades pack combines the most common covers tradies need into one convenient package.

Key features often include:

  • Public Liability Insurance – protects you if your work causes injury or damage to others.

  • Tools and Equipment Cover – insures your gear against theft, loss, or accidental damage.

  • Commercial Vehicle Insurance – covers your work ute, van, or truck.

  • Personal Accident and Illness Cover – helps protect your income if you’re unable to work.

For tradies on the Sunshine Coast, this means less admin, fewer gaps in cover, and better value for money.

Why Tradies Need Insurance

Working in the trades comes with risks every day. Without proper insurance, one incident can lead to lost income, legal costs, or thousands in replacement expenses.

Here are some common risks tradies in Maroochydore, Buderim, and across the Sunshine Coast face:

  • Accidents on site – an injured third party or property damage caused during work.

  • Stolen tools – gear left in vehicles or worksites is a common target for theft.

  • Vehicle accidents – your ute or van is essential to your work, and repairs or replacement can be costly.

  • Injury or illness – if you can’t work, your income stops but the bills don’t.

Trades Pack Insurance helps you manage these risks so your business and family are protected.

What Does Trades Pack Insurance Cover?

Public Liability Insurance

Essential for all tradespeople. Covers claims of third-party injury or property damage caused by your work. For example:

  • A plumber accidentally floods a client’s home.

  • An electrician’s work leads to a fire.

Tools and Equipment Insurance

Covers tools, machinery, and specialised gear against theft, accidental damage, or loss. Vital for tradies who rely on expensive equipment.

Commercial Vehicle Insurance

Protects your ute, van, or truck. Options range from basic cover to comprehensive replacement and roadside assistance.

Personal Accident and Illness Cover

Pays a portion of your income if you’re unable to work due to injury or illness—whether work-related or not.

Optional Extras

Depending on your trade, you may also add:

  • Contract works insurance.

  • Income protection.

  • Stock and materials cover.

Example Claim Scenarios

  1. Buderim Carpenter
    A carpenter’s trailer is broken into overnight, and $8,000 worth of tools are stolen. Trades Pack Insurance replaces the tools, minimising downtime.

  2. Maroochydore Electrician
    An electrician’s faulty wiring causes a fire in a client’s property. Public Liability Insurance covers legal defence and repair costs.

  3. Sunshine Coast Plumber
    A plumber suffers a back injury and can’t work for three months. Personal Accident Cover provides ongoing income support during recovery.

Who Needs Trades Pack Insurance?

Any tradesperson or contractor should consider a trades pack, including:

  • Electricians.

  • Plumbers.

  • Carpenters and joiners.

  • Builders and subcontractors.

  • Painters and decorators.

  • Landscapers.

  • HVAC and refrigeration technicians.

  • Roofers, tilers, and concreters.

Whether you’re a sole trader in Buderim, run a small team in Maroochydore, or work across the wider Sunshine Coast, a trades pack helps you stay protected.

Benefits of a Trades Pack

  • Cost-effective – bundling multiple covers into one policy usually saves money.

  • Tailored protection – designed specifically for the risks tradies face.

  • Simple management – one policy, one renewal date, fewer admin headaches.

  • Flexibility – cover can be adjusted to suit your trade and business size.

How Much Does Trades Pack Insurance Cost?

The cost depends on factors like:

  • Type of trade.

  • Business size and turnover.

  • Value of your tools and equipment.

  • Vehicle type and usage.

  • Level of cover required.

As a guide, many sole traders on the Sunshine Coast pay a few hundred dollars a year for basic public liability, with costs increasing as more covers are added.

At Design Cover, we compare policies across insurers to find a package that balances affordability and protection.

What Isn’t Covered?

Typical exclusions include:

  • General wear and tear of tools or vehicles.

  • Intentional damage.

  • Working outside your licensed trade.

  • Unsecured tools left in vehicles overnight (unless specific conditions are met).

That’s why working with a broker matters—we ensure you know exactly what is and isn’t covered.

Why Choose Design Cover for Tradies Insurance?

We know tradies are busy, and sorting insurance isn’t top of the to-do list. At Design Cover, we:

  • Compare trades pack policies from leading insurers.

  • Tailor cover to your trade, gear, and income needs.

  • Help ensure compliance with licensing and contract requirements.

  • Provide support if you ever need to make a claim.

Based on the Sunshine Coast, we work closely with local tradies in Buderim, Maroochydore, and across Queensland to keep their businesses protected.

Conclusion: Protect Your Work, Gear, and Income

Being a tradie means being hands-on, but insurance shouldn’t be a DIY job. With the right Trades Pack Insurance, you can focus on your work knowing that your tools, vehicle, income, and liability risks are covered.

At Design Cover Insurance Brokers, we’ll help you secure a package that suits your trade and your budget, giving you peace of mind on and off the tools.

📞 Call Tanya today on 0419 550 677
📧 Email hello@designcover.com.au