Public Liability Insurance for Tradies and Trade Sub-Contractors

Public Liability Insurance for Tradies and Trade Contractors. Compare cover and costs and get suitable cover for self-employed tradies and trade sub-contractors with help from our liability brokers.*

What is public liability insurance for tradies and trade contractors?*

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

In Australia self-employed trade 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 tradies and trade sub-contractors?*

Public liability insurance in Australia typically provides tradies and trade sub- contractors cover for:

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

Do self employed tradies need public liability insurance?*

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

As a self-employed tradie or trade sub-contractor 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 trade business activity you are responsible. Public liability insurance is needed to help cover damages and legal fees.

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

Throughout Australia as a self-employed tradie 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 trade 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 on a building site?*

In Australia both the principal builder and their trade 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 self-employed tradies?*

Public Liability Insurance cost for tradies snapshot:

Self-employed construction tradies , 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 tradies 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 specific trade occupation

We serve tradies all over Australia*

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

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

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