Public Liability Insurance for Construction and Buildings Contractors

Public liability insurance quotes for builders and construction companies. Compare cover and costs to get suitable cover for builders, building contractors and construction industry with help from our liability brokers.*

What is public liability insurance for builders and construction contractors?*

Public liability insurance for builders and construction contractors protects you from third-party claims of bodily injury or damage to someone else’s property.

In Australia both the principal builder and their subcontractors ; such as plumbers, electricians and carpenters are typically required to take out their own public liability cover

For example, if you are doing a plumbing job at a client’s home and their child hurts themselves by falling into a ditch you have dug or by tripping over your tools and equipment, Public Liability may help pay the related medical bills and your legal expenses.

What does public liability insurance cover for builders and building contractors?*

Public liability insurance in Australia typically provides builders and building contractors cover for:

  • Third-party injury to other persons – Where your building business activities causes harm to others
  • Third-party damage to others property – Where your building business activities causes damages to others property.
  • Product liability – Where your building business products and goods supplied causes harm to others.
  • Builders and building contractors cover typically can apply for their specified building work activities on:
    Construction sites, including: construction of new domestic housing ; commercial buildings renovation of existing domestic housing ; commercial buildings

Do self employed construction workers need public liability insurance?*

In Australia , all self-employed construction workers need public liability insurance.

As a self-employed construction worker you need public liability insurance as it can protect you and your business against the financial risk of being liable for negligence.

If an accident happens as a result of your construction business activity you are responsible. Public liability insurance is needed to help cover damages and legal fees.

For example, if as result of your building contracting activities someone is harmed public liability may help cover their medical expenses and pay for your legal bills.

Throughout Australia as a self-employed construction workers you will typically need public liability insurance to work on certain building sites or specific clients who request it. While the principal builder will take out their own public liability cover, they will typically require all their sub- contractors to take out their own public liability cover to mitigate their own exposure , risks and premium.

Who is required to take out public liability insurance in construction?*

In Australia both the principal builder and their subcontractors ; such as plumbers, electricians and carpenters, are typically requires to take out their own public liability cover.

how much is public liability insurance for construction contractors and builders?*

public liability insurance cost for construction contractors and builders snapshot:

self-employed construction contractors and builders , starts from around $650* or $60 per month.

$5 million Public Liability Insurance cost for some gardeners with no previous claims starts from around $650* or $60 per month.

For construction contractors and builders that:

  • Work on commercial building sites
  • Have Employees
  • Work for councils or government departments and require $20 million liability costs will be higher.

*Important : the above is a guide only ; pricing may vary significantly from the above based on your size, clients, experience and construction business activities.

We serve builders and building sub-contractors all over Australia*

List of states and territories in Australia we can help builders and building sub- contractors find the insurance cover they need :

New South Wales (NSW) – we service self-employed builders and building sub- contractors in Sydney metro and suburbs and all of NSW country.

  • Queensland (QLD)
  • Victoria (VIC)
  • Western Australia (WA)
  • South Australia (SA)
  • Tasmania (TAS)
  • ACT and NT

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