What Makes Hutch’s Trade Pack Different?

Why Hutch’s Trade Pack Isn’t Just Another Toolbox Add-On

Explore cover for tools, tax, cyber and more

A ute full of tools. A 6am start. A client already waiting.
It’s the rhythm of work for tradespeople around the country. But when something goes wrong, like a stolen saw, a tax audit letter, or a demand for payment for an account already paid, your client isn’t calling a help line. They’re calling you, their broker.

With Hutch’s Trade Pack, that call is a whole lot easier to take.

Built for tradies. Designed for brokers.

Trade Pack is a purpose-built packaged solution for the types of trade businesses brokers deal with every day, licensed tradies with solid experience, doing above-ground work for residential and commercial properties.

Designed by Hutch underwriters Dominique Vagi, Lara Lillis and Rheece Tunnell, it delivers practical, tailored cover for trade professionals. And it’s all quoted quickly via Ebix Sunrise Exchange (Product Code: HUTTP).

Tools of the trade (actually covered)

When essential gear goes missing or is damaged, your client’s day grinds to a halt. With optional General Property cover under Trade Pack, brokers can tailor protection for:

• Tools (up to $30,000)
• Stock, office equipment and leased fixtures (up to $50,000)
• Glass (up to $5,000)
• And even optional Flood cover, where available

The result? Clear, flexible cover that doesn’t need re-wiring to make sense.

Tax Audits aren’t a matter of “if”, but “when”

From GST to superannuation, tax audits are an increasing reality for small businesses, and tradies are firmly on the ATO’s radar. Under the ATO’s public Shadow Economy Program, construction and trade businesses have been flagged as high-risk sectors for audit activity.

With optional Tax Audit cover up to $100,000, Trade Pack supports your clients with pre-approved professional fees across multiple audit types. So when that letter lands, your clients can focus on the workbench, not the paperwork.

Cyber cover. Because a single email can take down a whole job

It started with a new invoice. Same supplier. Same client. Just updated bank details. Nothing unusual… until payment day rolled around, and the supplier hadn’t seen a cent.

Turns out, it wasn’t the real invoice. It was a scam. And the money? Gone.

According to the ACCC’s Scamwatch, payment redirection scams cost Australian businesses over $128 million in a single year, with construction and trade-based businesses frequently caught in the net.

That’s why Trade Pack includes optional Cyber cover designed for real-world risk. It provides support for:

• Loss of funds due to certain types of cybercrime
• Legal defence costs if a data breach occurs

Because sometimes, the most costly job of the year isn’t one your client quoted, it’s the one they didn’t see coming.

When the boss can’t work, who pays the bills?

For sole traders without sick leave or workers comp, downtime can be financially devastating. With optional Individual Personal Accident & Illness cover, Trade Pack offers:

• Weekly benefits up to $1,500 for up to 104 weeks
• Lump sum Prime Benefit up to $150,000
• Additional benefits like rehab, and funeral expenses
• Optional cover for certain amateur activities

This section is underwritten by certain underwriters at Lloyd’s and designed to give business owners financial breathing room when they need it most.

Mobile plant with new-for-old power

Heavy equipment deserves heavy-duty cover, and Trade Pack delivers. Optional Mobile Plant cover protects owned and hired-in gear up to $250,000 total (max $100,000 per item). Plus:

• New-for-old replacement for gear under 24 months old
• Finance protection, automatic additions, and hook liability where applicable
• Add Registered Mobile Plant Liabilityup to $20 million, if required

Cover that works like tradies do: fast, simple, reliable

Trade Pack is built with auto-acceptance criteria that make sense, backed by a transparent occupation appetite and real broker support.

Not sure if your client’s trade fits?

Check the Broker Factsheet for an acceptable and considered occupations guide.

It’s not just another packaged policy.

You wouldn’t use a flat-head screwdriver when the job calls for a Philips, so why default to a generic business pack when there’s a smarter fit? Hutch Trade Pack is the right tool for the job. Tailored cover for tradies, built to get the job done, with less admin, faster quoting, and peace of mind for both broker and client.

Explore cover for tools, tax, cyber and more.
Visit the Trade Pack page