Being a tradie in Western Australia comes with plenty of rewards but it also comes with risks. From theft on site to workplace injuries, unexpected incidents can lead to costly insurance claims. While having the right tradie insurance in Perth is essential, avoiding a claim in the first place saves time, stress, and money.

Here are the five most common insurance claims from tradies and practical tips to help you avoid them.

1. Stolen Tools and Equipment

   Your tools aren’t just gear, they’re your livelihood. Tool theft is one of the most common claims from tradies across WA.
   Why claims get declined: Most insurance policies require proof of forcible entry. If your UTE or trailer wasn’t locked, or tools were left in plain sight, insurers may reject the claim. How to avoid it:

   • Lock tools in a secured, bolted toolbox.
   •  Park your vehicle in a safe, well-lit area — ideally off the street.
   • Bring tools inside overnight whenever possible.
2. Property Damage on Site

   Accidents happen, from a dropped drill cracking tiles to machinery damaging a client’s driveway. Public liability insurance is there to cover you, but prevention is always best. How to avoid it:

   • Do a safety check before starting work.
   • Keep walkways clear of gear and materials.
   • Use protective coverings near fragile surfaces.
3. Injuries to Other Workers or Subcontractors

   One of the most complex claims tradies face involves injuries to subcontractors or other workers. Some policies don’t automatically cover this, or apply high excess fees. How to avoid it:

   • Make safety checks part of your daily routine.
   • Brief subcontractors on site risks.
   • Confirm your policy includes subcontractor coverage.