Setting off around Australia as a travelling tradie can be one of the most rewarding ways to work — combining freedom, flexibility, and financial opportunity.
Whether you’re chasing projects across state borders, filling in demand in regional towns, or just enjoying the open road while staying on the tools, it’s essential to have your legal and insurance bases covered.
A contractor’s licence is just the start — understanding how the rules, risks, and responsibilities shift as you move is what protects both your livelihood and your reputation.
- Understanding Licence Recognition Across States
Each state and territory in Australia regulates its own building and contractor licensing systems. While your contractor’s licence allows you to operate legally in your home state, it doesn’t automatically grant you permission to trade elsewhere.
Under the Automatic Mutual Recognition (AMR) scheme, licensed tradies from participating states can work temporarily across borders without applying for a new licence — provided their licence remains valid, equivalent, and free from restrictions.
However, AMR doesn’t apply everywhere. For instance, Queensland has additional requirements for interstate workers through the Queensland Building and Construction Commission (QBCC). Always check local licensing rules before accepting work to avoid breaching the law, invalidating insurance, or facing penalties.
- Contracts, Compliance, and Consumer Law
Every job — whether it’s a $500 repair or a $50,000 renovation — carries legal obligations under Australian Consumer Law (ACL). Travelling tradies should ensure their contracts include:
- A clear scope of work, materials, and timelines
- Payment terms and variations procedure
- Warranties and dispute resolution details
- Licence number and insurance information
Inconsistent or vague agreements can lead to misunderstandings, delayed payments, or even legal disputes. Consider using state-approved contract templates, especially for residential projects, and keep digital copies of all client communications.
- Insurance: Protecting You, Your Gear, and Your Work
Insurance isn’t just a formality — it’s your safety net. When you’re constantly on the move, your exposure to risk increases, from road accidents to tool theft and public liability claims. Key policies to consider include:
Public Liability Insurance
Mandatory for most licensed contractors, this covers you if your work causes property damage or injury to others. Many clients won’t hire a tradie without proof of coverage, and you’ll need to check that your policy extends Australia-wide, not just within your home state.Tool and Equipment Cover
Tools are a tradie’s livelihood — and prime targets for theft, especially from vehicles and job sites. Portable tools insurance covers loss, theft, or damage whether you’re in Broome or Ballarat. Keep an up-to-date inventory, including serial numbers and receipts, to streamline claims.Commercial Vehicle Insurance
Standard car insurance usually doesn’t cover work use or tools stored in your ute or van. A comprehensive commercial policy can include roadside assistance, windscreen cover, and replacement vehicle options if you’re stranded mid-job.Income Protection and Personal Accident Cover
Travelling work can mean higher physical risks and limited access to regular medical care. Income protection or personal accident insurance provides a steady income if you’re injured or ill and unable to work — crucial for sole traders without sick leave.
- Record Keeping and Tax Deductions
The Australian Taxation Office (ATO) allows deductions for travel expenses, accommodation, meals, and fuel if directly related to work. However, accurate record-keeping is key. Use digital apps to log receipts, kilometres, and invoices. If you employ others or subcontract, ensure you meet Superannuation Guarantee and PAYG obligations across state lines.
- Risk Management and Safety
Working in unfamiliar environments increases risk exposure. Always:
- Conduct a site risk assessment
- Carry first aid and safety gear
- Ensure your vehicle load is secured and compliant
- Check local environmental or safety codes before starting work
Failure to follow Work Health and Safety (WHS) laws can lead to fines or injury claims — which may not be covered by insurance if negligence is proven.
Final Thoughts
Life as a travelling tradie offers independence and adventure — but it comes with responsibilities. Before hitting the road, review your licensing requirements, ensure contracts meet legal standards, and confirm your insurance policies travel with you. With the right protection in place, you can focus on what you do best: quality work, anywhere in Australia.
If this article has inspired you to think about your unique situation and, more importantly, what you and your family are going through right now, please get in touch with your advice professional.
This information does not consider any person’s objectives, financial situation, or needs. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation, or needs.
(Feedsy Exclusive)