From heavy construction and local trades to specialised contracting, finding the right cover means working with a broker who understands the specific demands of your sector and your region. Based right here in Penrith, NCB Insurance provides specialised commercial and trade insurance packages for businesses across Greater Sydney and New South Wales.
No two businesses share the exact same risk profile. We take the guesswork out of commercial cover by aligning our policies with the specific regulatory and operational demands of your profession. Explore our comprehensive trade insurance solutions below to find the precise insurance strategy required to protect your livelihood, your team, and your bottom line.
Bricklaying and masonry present unique worksite risks, from handling heavy materials to the potential for structural damage. We provide robust cover to protect you against claims of third-party property damage or injury, ensuring your masonry business is built on a solid foundation.
From small renovations to comprehensive residential builds, builders face constant risks on the worksite. We offer comprehensive protection tailored for builders to protect structures and materials during the build, and to cover third-party injuries and property damage.
Whether you are working on structural framework or detailed cabinetry, your tools and your craftsmanship are your livelihood. We specialise in tailoring insurance to ensure your portable equipment is covered against theft or damage, along with essential worksite protection.
Whether you are working on structural framework or detailed cabinetry, your tools and your craftsmanship are your livelihood. We specialise in tailoring insurance to ensure your portable equipment is covered against theft or damage, along with essential worksite protection.
Electricians face unique risks—from working with high-voltage systems to the theft of expensive testing equipment. A standard "off-the-shelf" policy might leave gaps in your protection. We offer tailored cover for faulty workmanship, wiring fires, and specialised gear.
Because handymen tackle a wide variety of maintenance tasks, your insurance needs to be just as versatile. We provide flexible cover that travels with you from job to job, protecting you against accidental property damage or third-party injuries while you work.
Installing and maintaining climate control systems often involves working with complex electrical and plumbing components. Our customised HVAC insurance packages provide comprehensive liability coverage to protect your business against claims arising from property damage or system failures.
Whether you are providing routine lawn maintenance or executing complex landscape architecture and earthmoving, your work takes you across various properties. We can cover your specialised landscaping equipment and protect you from third-party claims.
A minor spill or an accidental drop can result in costly property damage claims. We provide painters and decorators with tailored cover to protect against accidental damage to a client's property, giving you peace of mind while you focus on the finishing touches.
Plumbing and gas fitting carry significant risks of water damage and specialised hazards. We ensure maintenance plumbers, roof plumbers, and gas fitters have the required cover to access commercial worksites and maintain their licences, along with protection for essential tools.
While not strictly required by state law for every single trade, Public Liability insurance is almost universally required to enter a commercial worksite, secure a contract, or obtain specific industry licences (such as a builder's or plumber's licence). It is essential protection against claims of third-party injury or property damage.
Standard Public Liability does not cover your equipment. To protect your gear, you need a specific General Property (or Tools of Trade) policy. We can tailor this to ensure your valuable tools are covered against theft or damage, whether they are securely locked in your ute, stored on-site, or kept in your garage.
Generally, no. Subcontractors are typically considered separate business entities and must carry their own Public Liability and Workers Compensation insurance. We strongly advise requesting and checking the Certificates of Currency for any subcontractor you hire to ensure you aren't left financially exposed if they cause an accident.
We understand that without a Certificate of Currency, you can't get on site and start working. Once your policy is bound and payment is confirmed, our local Penrith team can usually issue your certificate on the exact same day.
Absolutely. A simple accident—like a dropped hammer damaging a client's custom flooring or an accidental pipe strike causing water damage—can happen on a job of any size and result in thousands of dollars in liability. The right insurance protects your personal assets, your business reputation, and your peace of mind, regardless of the project's scale.
Contract Works (or Builder's Risk) insurance primarily covers the new work being done and the materials on site. If you are renovating an existing structure, you may need to notify your current property insurer or arrange a specific policy extension to ensure the original building remains covered during the construction phase. Our brokers can help you navigate this to ensure there are no gaps in your cover.
Don’t leave your business security to chance.
Speak with a qualified broker at our Lemongrove Road office in Penrith for a free review of your current policies. Call us today at 02 4721 7737 or visit us to experience insurance service built on thirty years of local trust.
