Tools Insurance
Fast and flexible coverage options including tradies' Public Liability Insurance and Products Liability Insurance.
What is Public Liability Insurance?
Legal Liability Insurance is an insurance package for Australian tradies that includes Public Liability Insurance and Products Liability Insurance.
Navigate financial obstacles with confidence
Get your tools protected by people who understand.
- We cover accidental damage and loss - don't let an insured peril break your stride
- We cover theft - insurance is the next step to protecting your tools after lock and key.
- Cover tools & equipment that you've hired - give us a call and let us know that you want to temporarily add hired tools or equipment to your policy and we can get it covered.
Get specialised cover for your most important tools.
$25,000 cover for your tools.
This includes:
- Up to $20,000 of cover for your more expensive tools - just make sure to specify each tool or piece of equipment worth over $1,000 in your policy.
- Up to $5,000 of cover for your smaller tools - this will cover all of your tools valued at under $1,000, and you just have to give us the combined value of the less valuable gear.
- Include trailers and mobile plants in your policy - cover large portable equipment such as trailers and generators.
Want to know more?
We've taken the time here to answer common questions about tools insurance that often we get from Aussie tradies.
What does it cover my gear for?
What will it cover me for?
Tools insurance is designed to help protect your gear when the unexpected happens. With VIZ Insurance, if you’ve selected Tools of Trade cover, you’ll be covered for things like theft (as long as it’s stolen from a securely locked vehicle or building), fire, flood, earthquakes, or even damage from a car crash while your tools are in transit.
Keep in mind, items over $1,000 in value need to be listed individually to be covered.
What won't it cover me for?
As much as we’d love to cover every situation, our cover does have its limits. For example, we don’t cover tool theft from the open air - leaving gear in the back of the ute or lying around site overnight won’t cut it. After all, if you aren't going to look after your tools, why would we?
We also can’t cover you for general wear and tear, damage from electrical surges, vermin damage, or tools that break down from overuse or age. For full details, make sure to check the policy wording or feel free to reach out - we'd be happy to help you through it.
How much does it cost?
The cost of tools insurance solely depends on the value of the tools insured, and the excess chosen to go with it.
Unlike legal liability, the premium you pay for tools insurance is not affected by your occupation, so no matter whether you are a landscaper covering his lawn mower, or a chippie covering his favourite cordless, it is the total value of the items that affects the premium.
If you wish to get an exact price for your tools, you can get a quote in under five minutes and see what we can do for you.
Why can't I buy tools insurance by itself?
Tools insurance is an optional extra which you can add to legal liability to form your policy. This is because VIZ Insurance provides insurance for businesses, and not cover for personal items.
Each policy starts with your choice of $5 million, $10 million or $20 million of cover for Legal Liability insurance, and then afterwards you have the choice to add up to $25,000 worth of tools insurance.
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*all data is based upon a sample of VIZ Insurance customers over the last three years