Licence and insurance guide

How to check a tradie’s licence, business identity and insurance

Before you accept a quote, find out who you are hiring and what their credentials actually cover.

Illustration of a licence check

Make the checks in five steps

In short

Ask for the legal name and ABN of the person or business on the quote, then check that identity against official business records. Use the regulator for the state or territory where the property is located to check the required licence or registration, its status, permitted work and conditions. Ask for current insurance evidence and check whether separate cover is required for your particular building job. An active ABN identifies a business; it does not authorise trade work or prove insurance cover.

Step 1

Match the quote to the person or business you will hire

Ask for the full legal name, business name, Australian Business Number (ABN), contact address and relevant licence numbers. The contracting party is the person or business that agrees to do the work for you. A salesperson, employee or subcontractor may be someone else.

Search the ABN on ABN Lookup and compare the entity name, business names and status with the quote. If a business name needs explaining, use ASIC’s business names register to find its holder. Ask for a corrected quote or written explanation where names differ. A familiar logo or a licence number belonging to someone else is insufficient.

What each record tells you

What each record tells you
RecordCheck it for
Quote or contractThe legal person or business responsible for your work, its ABN and contact details.
ABN LookupThe business identity, active or cancelled ABN, and GST registration status.
ASIC business names registerWho holds the registered business name used in the quote.
Trade licence or practitioner registrationAuthorisation for specified work, subject to its status, class and conditions.
Insurance documentsThe named insured, type of cover, policy period and limits; the policy determines what a claim covers.

Step 2

Use the register for the property’s state or territory

Start with the location and actual work, rather than the address of the business. Licensing requirements differ by trade, job value and jurisdiction. Some work needs an occupational licence regardless of price; other work has thresholds or exemptions. If unsure which class applies, give the regulator your written scope and ask.

The official links below lead to registers or government pages that link to them. If a tradie relies on an interstate licence or mutual recognition, ask the local regulator how to confirm their authority to do this job. A missing local search result needs clarification before you proceed.

Where to start your licence search

Where to start your licence search
Property locationOfficial lookup route
New South WalesService NSW builder and tradesperson licence check.
VictoriaBuilding and Plumbing Commission for builders and plumbers; Energy Safe Victoria for electrical licences and contractor registration.
QueenslandQBCC for building and plumbing records; Electrical Safety Office for electrical worker and contractor licences.
Western AustraliaBuilding and Energy licence and registration search for building, electrical, plumbing and gas work.
South AustraliaConsumer and Business Services licence register for builders, plumbers, electricians and gas fitters.
TasmaniaOfficial Find a licensed tradesperson search for building, electrical, plumbing and gas work.
Australian Capital TerritoryAccess Canberra construction occupation public registers, linked from its choosing a tradesperson guide.
Northern TerritoryBuilding Practitioners Board for builders; Plumbers and Drainers Licensing Board for plumbers; Territory Services for electrical contractors.

Step 3

Read the licence class, status and conditions

Search by licence number where possible, then confirm the holder’s name. Read the type and class of licence, current status, expiry date and restrictions. Review any disciplinary information or public warnings the register provides. A current licence for one type of work does not establish permission for every task in a renovation.

Check which credentials the contracting business needs and which the person doing or supervising the work needs. These can be different. For example, Victoria grants plumbing registration and licences to individuals, not plumbing companies. A registered plumber cannot issue compliance certificates; the supervising licensed plumber in the relevant class must do so when a certificate is required.

For an illustrative bathroom job, list plumbing, electrical work and waterproofing separately. Ask who will carry out each part and who supplies required completion certificates. Check each relevant authorisation rather than assuming the builder’s record covers every worker. If a licence expires before the proposed work, check its renewal before work starts.

Step 4

Ask which insurance covers the work

Ask for a certificate of currency, a document showing that an insurance policy is in force, for relevant cover such as public liability. Match the named insured to the business you are hiring and check the insurer, policy number, period of cover and limit. If the names differ, ask the insurer or broker to explain the relationship. Ask how the proposed activities and any subcontractors are covered.

A certificate summarises cover; policy terms, exclusions and claim circumstances determine whether a loss is covered. Ask for clarification from the insurer or licensed broker if the scope is unclear. Do not assume public liability will pay to redo defective work or complete an unfinished job.

Ask the local building regulator whether your project requires separate home building, domestic building or home warranty insurance, and when the evidence must be supplied. Scheme names, thresholds, exclusions and claim triggers differ. Where required, check the certificate for your property and work, rather than accepting a general statement that the builder can obtain cover.

Insurance types answer different questions

Insurance types answer different questions
CoverWhat to ask
Public liabilityDoes the policy cover liability for injury or property damage arising from the proposed activities, subject to its terms?
Professional indemnityIf design or professional advice is included, what cover applies to claims arising from that service?
Workers compensationWhat cover is required for employees under the applicable state or territory rules? This serves a different purpose from public liability.
Project-specific building insuranceDoes your jurisdiction require it for this work, and is there a valid certificate for this property and contract?

Step 5

Resolve gaps before accepting the quote

Pause if the quote names one business, the licence belongs to another, or the insurance dates do not cover the proposed work. Ask for an explanation and corrected documents. Confirm unclear licence results directly with the regulator. Where impersonation is a concern, contact the licensed business using independently found contact details to confirm who represents it.

Keep the quote, dated register results, insurance evidence and written answers. Recheck if the contracting business, scope, subcontractors or start date changes. These checks help you assess credentials; they do not guarantee workmanship, financial stability or a successful insurance claim. Use references and examples of similar completed work as part of your hiring decision.

Sources and useful links

Sources checked 6 October 2026

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