There is one type of insurance that every tradesman needs – public liability insurance.

Public liability insurance protects tradesmen against the financial consequences of property damage or person injury caused by a tradesman or his work.

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Property damage claims for public liability can range from the very small to the very large. Some claims are for minor damage caused on the worksite of just $1,000 for example, but when it comes to personal injury and even death, the figures can climb well over $1,000,000.

The average tradesman would find themselves in trouble trying cover a six or seven figure claim, and while a smaller claim may not break the bank, it is certainly much better to have it covered by the insurance company rather than coming out of your hard earned savings.

Public liability Cost

The cost of public liability insurance for a tradesman will depend on a number of different factors. The type of trade or business will have a major impact on the cost, as will the company turnover and number of employees.

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For a standard tradesman such as a carpenter or electrician the cost of the public liability insurance will be quite low, starting from as little as $450 per year. There are some tradesmen who will pay much higher premiums however, such as boilermakers and scaffolders.

The public liability cost will vary from insurance company to the next, so it is certainly worthwhile shopping around for the best deal.

Public Liability Policy

Most public liability insurance policies are quite similar, however there are a few important differences that must be considered by any tradesman before proceeding with a policy.

Different insurance companies and different policies can suit some trades better than others. For example if your work involves the possibility of working on marine craft, some insurers have limits on the size of craft that will be covered.

Painters are another good example of a trade that needs to choose their insurance company carefully, as some public liability policies will include spray painting as standard whilst others do not cover it at all.

Often these restrictions and differences are not obvious when you first look at the policy, so you need to be very careful when reading through the fine print in the PDS (Product Disclosure Statement).

Most tradesmen are very busy and don’t have time to read a dozen PDS booklets. Rather than risking having the wrong public liability insurance, we recommend that tradesmen should deal with an insurance broker who specialises in the building and construction industry.

Public Liability Quote

The easiest way for a tradesman to obtain a quote on their public liability insurance is to use the quote request form here on our Tradesman Insurance website.

By submitting a quote request online your information will be passed to one of our insurance experts who will analyse your information and send you the details of the insurance quote which best meets your needs as well as providing the best price.

To obtain a quote on your tradesman public liability insurance simply follow this link to our online quote form.

We are the experts when it comes to tradesman insurance in Australia, and we’d love to help you with the protection you need at a price you can afford.


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