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GENERAL TRADES & SERVICES

General Trades & Services have a range of potential risks and exposures. We understand the industry so work with our team of Underwriters and submit a quote online.

Shield-Cover-Underwriting-Australia-logo-full
QUOTE NOW

GENERAL TRADES & SERVICES

General Trades & Services have a range of potential risks and exposures. We understand the industry so work with our team of Underwriters and submit a quote online.

IMPORTANT DOCUMENTS

POLICY WORDINGS

PREFERRED RISK APPETITE

TARGET MARKET DETERMINATION

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FAQ

Frequently Asked Questions and answers

We offer general liability and personal accident & sickness products for the General Trades & Services - our policies are tailored to support various occupations.

ShieldCover specialises in a wide array of industries including General Trades & Services, Motor Trades, Transport, Hospitality, Vacant Land, Property Owners and Small Retailers. Please review our Preferred Risk Appetite.

Unfortunately, we can't offer general liability and personal accident & sickness products for the following occupations because they are outside of our scope:

  • Riggers / Form Workers
  • Underground Mining
  • Shopping Centre Cleaners
  • Commercial Cleaning during business hours
  • Plumbing Works over 5 Storeys
  • Services to Fire Suppression Systems
  • Crane Operations
  • Water proofers
  • Importing of Critical Components
  • Security Contractors /Services
  • Blasting or explosive works
  • Tree felling/surgery and stump removal
  • Passenger Transport Services

At ShieldCover, our expertise is your solution. Our liability and accident & sickness products are designed to support occupations in various industries, and together with our team of experienced underwriters, we will work with you to determine a solution for your client.

  • Solutions for a wide array of General Trades & Services
  • Cover for subcontractors 
  • Working at height extensions 
  • Cover for both residential and commercial activities 
  • Limits options from $5M up to $20M 
  • Care, custody & control up to $250,000 
  • Competitive premiums 
  • Deductibles starting at $1000
  • Individual, group and voluntary worker policies available 
  • Weekly sickness & accident benefits 
  • Business expenses benefit 
  • Automatic non-Medicare medical expenses benefit 
  • Cover for high-risk occupations available

ShieldCover’s online quoting system is designed so you can quickly and easily receive a quote straight to your inbox with just a few clicks of a button. All you need to do is sign up here, complete the form, and wait for the quote to be sent to you!

Once you have submitted a quote, our system will review your information and return a quote directly to your inbox. The quote will include a direct link back to your online quote and give you to option to Modify, Bind or Decline at the click of a button. Should we require more details from you, one of our underwriters will be in touch.

If your client needs to make a claim, just fill out the General Liability Claim Form or the Accident and Sickness Claim Form and return it to us at hello@shieldcover.com.au

ShieldCover is a division of East West Insurance Brokers Pty Ltd ABN 83 010 630 092, 
Australian Financial Services Licence No. 230041. 

© 2025 ShieldCover | Terms of use

Cover for Construction Trades

Some Liability policy benefits include:

  • Appetite for VIC plumbers & QLD electricians
  • Sub-contractor extension available
  • In some circumstances, a waiver of subrogation or hold harmless agreements available
  • Limits up to $20M
  • Competitive premiums and deductibles starting at $1,000
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Some Personal Accident & Sickness policy benefits include:

  • Cover options of 24 hours a day, 365 days a year or working hours only
  • Lump sum payment for accidental death or permanent disablement
  • Compensation for up to 85% of income
  • Broken bones cover available
  • Non-Medicare medical expenses for up to $1,000 or higher
  • Business expenses benefits for self employed
  • Modification expenses up to $10,000
  • Funeral expenses up to $5,000
  • Cover for up to 75 years of age
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Cover for Motor Trades

Some Liability policy benefits include:

  • Advertising liability extensions
  • Driving risk extension
  • Faulty workmanship up to $30,000 any one occurrence and $50,000 in the aggregate
  • Increased property in physical or legal control sub-limit up to $1,000,000 any occurrence and in the aggregate
  • Roadworthy certification or safety reports extension up to $10,000,000 any one occurrence
  • Sub-contractor extension available
  • In some circumstances, a waiver of subrogation or hold harmless agreements available
  • Limits up to $20M
  • Competitive premiums and deductibles starting at $1,000
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Some Personal Accident & Sickness policy benefits include:

  • Cover options of 24 hours a day, 365 days a year or working hours only
  • Lump sum payment for accidental death or permanent disablement
  • Compensation for up to 85% of income
  • Broken bones cover available
  • Non-Medicare medical expenses for up to $1,000 or higher
  • Business expenses benefits for self employed
  • Modification expenses up to $10,000
  • Funeral expenses up to $5,000
  • Cover for up to 75 years of age
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Liability Cover for

Project Managers

Our preferred risks include:

Project managers and site supervisors who perform office work and non-manual site visits, including site surveys and site inspections.

Some of our policy benefits include:

  • Sub-contractor extension available
  • In some circumstances, a waiver of subrogation or hold harmless agreements available.
  • Limits up to $20M
  • Competitive premiums and deductibles starting at $500

Cover for Transport & Logistics Contractors

Our preferred risks include: general cartage transport operators.

Some Liability policy benefits include:

  • Sub-contractor extension available
  • In some circumstances, a waiver of subrogation or hold harmless agreements available
  • Limits up to $20M
  • Competitive premiums and deductibles starting at $500
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Some Personal Accident & Sickness policy benefits include:

  • Cover options of 24 hours a day, 365 days a year or working hours only
  • Lump sum payment for accidental death or permanent disablement
  • Compensation for up to 85% of income
  • Broken bones cover available
  • Non-Medicare medical expenses for up to $1,000 or higher
  • Business expenses benefits for self employed
  • Modification expenses up to $10,000
  • Funeral expenses up to $5,000
  • Cover for up to 75 years of age
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Cover for Welders & Boilermakers

Our preferred risks include: domestics and residential work, fencing contractors, non-structural & structural components, staircases & handrails earthomoving machinery repairs, open cut/aboveground mining equipment repairs.

Some Liability policy benefits include:

  • Sub-contractor extension available
  • In some circumstances, a waiver of subrogation or hold harmless agreements available
  • Limits up to $20M
  • Competitive premiums and deductibles starting at $1,000
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Some Personal Accident & Sickness policy benefits include:

  • Cover options of 24 hours a day, 365 days a year or working hours only
  • Lump sum payment for accidental death or permanent disablement
  • Compensation for up to 85% of income
  • Broken bones cover available
  • Non-Medicare medical expenses for up to $1,000 or higher
  • Business expenses benefits for self employed
  • Modification expenses up to $10,000
  • Funeral expenses up to $5,000
  • Cover for up to 75 years of age
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Liability Cover for Welders & Boilermakers

Our preferred risks include:

  • Domestic & residential work
  • Fencing contractors
  • Non-structural & structural components
  • Staircases & handrails earthmoving machinery repairs
  • Open cut / aboveground mining equipment repairs

Some of our policy benefits include:

  • Sub-contractor extension available
  • In some circumstances, a waiver of subrogation or hold harmless agreements available
  • Limits up to $20M
  • Competitive premiums and deductibles starting at $1000

Cover for Project Managers

Our preferred risks include: project managers and site supervisors who perform office work and non-manual site visits, including site surveys and site inspections.

Some Liability policy benefits include:

  • Sub-contractor extension available
  • In some circumstances, a waiver of subrogation or hold harmless agreements available
  • Limits up to $20M
  • Competitive premiums and deductibles starting at $500
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Some Personal Accident & Sickness policy benefits include:

  • Cover options of 24 hours a day, 365 days a year or working hours only
  • Lump sum payment for accidental death or permanent disablement
  • Compensation for up to 85% of income
  • Broken bones cover available
  • Non-Medicare medical expenses for up to $1,000 or higher
  • Business expenses benefits for self employed
  • Modification expenses up to $10,000
  • Funeral expenses up to $5,000
  • Cover for up to 75 years of age
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Cover for General Trades & Services

General trades including but not limited to: 

  • Air conditioning & refrigeration – Installation & servicing
  • Builders / Renovators
  • Carports, Sheds, Patios, Pergola erectors & garage construction
  • Electricians (Domestic & commercial)
  • Flooring installation (Carpet / Tiling / Timber)
  • Glaziers
  • Handyman services
  • Irrigation systems – Installation & maintenance
  • Landscaping services (Excl. Tree fell / Surgery & stump removal)
  • And more!
FULL RISK APPETITE

Activities not In Scope: 

  • Riggers/ Form Workers
  • Underground Mining
  • Shopping Centre Cleaners
  • Commercial Cleaning during business hours
  • Plumbing Works over 5 Storeys
  • Services to Fire Suppression Systems
  • Crane Operations
  • Water proofers
  • Importing of Critical Components
  • Security Contractors/Services
  • Blasting or explosive works
  • Tree feeling/surgery and stump removal
  • Passenger Transport Services
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Blue Collar Policy Wording