Licence Renewal Coming Up? Check Your Insurance First.

NSW licensed builders and tradies must maintain current Public Liability insurance. Licence details must match your policy — get it right before renewal.
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WHO THIS IS FOR

Built for NSW-licensed builders and tradespeople approaching their licence renewal window.

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Licensed Builders

Contractor licence holders doing residential or commercial work over $5,000 in NSW — PL insurance is a mandatory ongoing obligation.

Qualified Supervisor Certificate Holders

QS certificate holders operating independently or as principal contractors with active licence renewal obligations.

Licensed Tradespeople

Electricians, plumbers, carpenters, plasterers, roofers and other licensed trades — insurance must reflect licence details.

Subbies & Contractors

Subcontractors needing their own current PL policy to meet client or head contractor requirements.
The Compliance Requirement

NSW licensed builders must maintain Public Liability insurance — with policy details that match their licence.

Licences are issued in 1, 3 or 5-year terms. Renewal applications open 60 days before expiry. The policy must list your business name, licence number, expiry date and scope of covered work.

Public Liability (up to $20m)

Covers third-party injury or property damage from trade work — on site, at a client's premises, or in public.

e.g. Homeowner trips over equipment — PL covers medical and legal costs.

Products Liability

Covers claims from products supplied or sold to a third party that cause injury or damage.

e.g. You install a power point that shorts and damages a client's appliance.

Policy Must Match Licence

The policy must reference your current licence number, business name and scope of work to satisfy NSW Fair Trading.

e.g. Policy references wrong entity name at renewal — certificate rejected.

If insurance lapses or details don't match at renewal, licensed trades risk:

Licence renewal rejected
Unable to legally take on new work
Out-of-pocket legal & compensation costs
Costly last-minute certificate turnaround
LICENCE RENEWAL READINESS

Renewal applications open 60 days before expiry. Don't leave insurance to the last minute.

Most tradies review their public liability insurance as part of the renewal process. Policy details must align with the current licence — business name, licence number and scope of work all need to match.

Without structured insurance support

Policy details don't match licence — renewal rejected
Waiting days for an updated Certificate of Currency
Unsure whether current limits are adequate
Policy scope doesn't reflect current activities
Last-minute scramble before the renewal deadline

With upcover

Policy clearly matched to your licence details
Certificate of Currency issued instantly — shareable in one click
Limits up to $20m — suited to residential and commercial work
Cover reviewed against current scope at renewal
Renewal reminders before your licence expiry date
why upcover

Instant cover. Instant certificates. Built for tradies.

PL Up to $20m – Suitable for residential builds, commercial fitouts and all licensed trade categories.

Instant Certificate of Currency – Get your certificate the moment cover is bound. Share with your builder, head contractor or client in one click.

100% Online – No forms to post. No broker visits. Get a quote and purchase in minutes. Monthly payment option available.

*Subject to underwriting and eligibility — price depends on occupation, turnover and coverage selected
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HOW IT WORKS

Get covered in minutes — not days.

01
Get a Quote
Enter your occupation and expected income at app.upcover.com. No personal details required to start.
02
Select Your Cover
Choose policy type and limits that match your compliance requirements.
03
Purchase Online
Complete in a few clicks. No paperwork, no broker.
04
Get Your Certificate
Certificate of Currency issued instantly. Share in one click.

Licence Renewal Coming Up? Get Covered Today.

Get covered and share your certificate of insurance in minutes

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© 2026 upcover Pty Ltd ABN 17 628 197 437, Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078. upcover arranges insurance products with selected insurers and underwriters. upcover does not compare all general insurers or insurance products available in the market.

The information contained on this website is general advice only and has been prepared without taking into account your individual needs, objectives and financial situation. It should not be relied upon as advice. All insurance products are subject to the terms, conditions, limits and exclusions contained in the relevant policy wording and Product Disclosure Statement.  Before deciding whether a particular insurance product is right for you, please consider your personal circumstances and read the relevant Product Disclosure Statement, Target Market Determination, Policy Wording, and Financial Services Guide.