Builders Insurance Cost Calculator
Estimate a typical annual builders / trade insurance premium in Australia. Choose your turnover and the cover you need. Indicative guide only, not a quote.
Your builders insurance details
Your estimate sits within the typical range.
Builders insurance is a stack, not one policy, public liability, tools, contract works and personal accident are separate covers, so the total depends on what you bundle.
Where the money goes
Estimated breakdown for your configuration
💰 Ways to save
- Only carry the contract-works cover when you have a project that needs it, some insurers do it per-project.
- Bundle liability, tools and personal accident with one broker for a package rate.
How we estimate this
Builders / trade insurance in Australia typically costs $600 to $8,000 a year in 2026 depending on turnover and the cover carried. A sole trader with basic public liability is at the low end; a medium builder with high liability, contract works and tools reaches the top.
Pricing reviewed: October 2026.
Understanding builders insurance costs in Australia
Builders / trade insurance in Australia typically costs $600 to $8,000 a year in 2026 depending on turnover and the cover carried. A sole trader with basic public liability is at the low end; a medium builder with high liability, contract works and tools reaches the top.
It is a stack of separate covers, public liability, tools, contract works and personal accident, so the premium depends on what you bundle. Many building contracts set minimum liability and contract-works requirements.
Frequently asked questions
How much does builders insurance cost in Australia?
Typically $600 to $8,000 a year in 2026 depending on turnover and cover. A sole trader with basic public liability is cheapest; a medium builder with full cover costs the most.
What insurance does a builder need?
Usually public liability, plus tools and equipment cover and, per project, contract works (construction) insurance. Personal accident or income protection is common too.
Are you a insurance adviser / broker?
Everyone on this page is working out what builders insurance costs because they are ready to hire. Put your business right beneath the calculator, in your state, so you are who they find. From $50/mo.