TPD Insurance for Electricians, Plumbers & Builders: Protecting Your Trade
Every tradie knows that physical work takes a toll. Whether it’s long days on-site, heavy lifting, or working at heights — one serious accident or illness can end a career overnight.
That’s why Total and Permanent Disability (TPD) Insurance is crucial for tradespeople. It provides a lump sum payout if you become permanently unable to work in your trade due to injury or illness.
At Covered Life, we help electricians, plumbers, builders, and other skilled workers protect their livelihood — because your trade is your biggest asset.
What Is TPD Insurance?
TPD Insurance pays a lump sum if you suffer a permanent disability that prevents you from working again. This payment helps cover ongoing expenses, clear debts, and adapt your life to new circumstances.
For tradespeople, that might mean:
Paying off your mortgage or business loans
Covering medical treatment or rehabilitation
Making home or vehicle modifications
Replacing your lost income long-term
It’s about providing financial security when your ability to work is taken away.
Why It’s Especially Important for Tradies
Trades are physically demanding. A single back injury, fall, or long-term health condition can make returning to hands-on work impossible.
TPD insurance ensures you’re not left financially stranded. Whether you’re 25 or 55, this cover gives you and your family the means to move forward with dignity and independence.
Own Occupation vs Any Occupation Cover
There are two main types of TPD cover:
Own Occupation:
You’re covered if you can no longer work in your specific trade.
Any Occupation:
You’re covered if you can’t work in any job suited to your skills or experience.
For most tradespeople, “own occupation” offers the most relevant protection — because if you’re an electrician who can’t climb ladders or use tools, switching to another physical role isn’t realistic.
Common TPD Claim Examples
A builder suffers a serious spinal injury and can no longer perform manual work.
An electrician loses the use of their hands after an accident.
A plumber develops a chronic illness that prevents them from working safely.
Each of these workers could claim a lump sum to help with medical costs, home adjustments, or financial independence after their injury.
TPD Inside vs Outside Super
You can hold TPD insurance:
Inside superannuation: Often cheaper and automatically included, but may only cover “any occupation” definitions.
Outside super: Offers more flexibility and faster claim access, with broader definitions like “own occupation.”
Covered Life helps you understand both options and choose what works best for your trade and financial situation.
How Much Cover Should a Tradie Consider?
The right amount of cover depends on your personal circumstances — including your debts, family needs, and long-term financial goals.
While we can’t provide personal advice, many tradespeople look for enough protection to cover major debts and future living costs if they could never return to work.
Why Choose Covered Life
We know tradies value straightforward service and clear answers. That’s why Covered Life keeps things simple:
Fast, obligation-free quotes
Policies tailored to your trade
Support at claim time when it matters most
Access to top insurers across Australia
Our goal is to make sure you’re covered properly — so if life throws you a curveball, you’re ready.
General advice disclaimer: This information is general in nature and does not take into account your personal objectives or financial situation. Always consider whether a product is appropriate for your needs before making a decision.
