Sole trader insurance
Sole trader business insurance guide
Compare insurance questions for Australian sole traders, including public liability, tools, professional risk, vehicles, and home-based work.
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Details to gather before comparing cover
- Business activities, locations, annual revenue, staff or contractors, tools, stock, vehicles, and whether customers visit you or you visit them.
- Contracts, leases, market or venue requirements, certificate-of-currency requests, previous claims, and any exclusions you already know matter.
- Whether the business gives advice, handles client property, sells products, stores data, accepts online payments, or works from home.
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Policy questions to ask
- What is included, excluded, sub-limited, optional, or only available as an add-on?
- How are excesses, waiting periods, cancellation, certificates, claims support, and renewal changes handled?
- Does the policy match the actual sole trader risk, or is it a generic package with gaps?
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