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Public Liability for a Tradesman

Contractors, sole traders and self-employed tradesmen run a high risk of causing damage to someone's property. So, it is vital for tradesmen to take out public liability insurance.

If you're a tradesman searching for public liability cover, Smart Business Insurance can help you by providing you with multiple quotes on suitable policies for your trade from leading insurance companies including Vero, Lumley, Zurich and AIG.

Public liability insurance policy for a tradesman can cover you if workplace errors result in damage to a third party or persons.

Public liability is arguably the most essential insurance that any tradesman can have. It is a smart way of protecting yourself and your business.

For a tradesman, given the hazardous nature of the work, there are a number of things that can go wrong. Backing your skills as a tradesman, you may think you will not make a mistake and don't really require a cover. But, irrespective of how professional and skillful you are or how much care you take while working, mistakes and accidents do happen.

Sometimes, an error can cause damage worth a few hundred dollars but if something serious happens and you don't have public liability insurance, it can destroy both your business and personal assets.

What is public liability insurance for tradesmen?

Public liability insurance for tradesmen can provide you with financial protection in the event of injury or damage to a third party property.

As a tradesman, contractor or sole trader, it is important to take out public liability insurance cover to protect yourself against claims due to negligence. If you make a mistake which leads to an incident causing injury or damage to property of the client, it will result in a public liability claim that you will be legally held responsible for.

Why should a tradesman get public liability insurance?

Since self-employed tradesmen, sole traders and sub-contractors are responsible for their own actions on the site of work, they are themselves liable for any financial claim arising out of damage caused to property or injury to person. It is therefore considered vital for a tradesman who is a sole trader, self-employed or working as sub-contractor to take out public liability insurance.

Some tradesmen like electricians in Tasmania and Queensland and plumbers in Victoria cannot apply for or renew their contractor's license without public liability insurance.

For such tradesmen, it becomes mandatory to have public liability insurance.

Talk to Smart Business Insurance Brokers on 1300 542 573 to protect yourself with public liability insurance.

Cost of public liability for a tradesman

The cost of public liability insurance for tradesmen varies according to the type of the trade and the size of operation.

Just like other insurance policies, the public liability insurance premium for a tradesman is also determined according to the risks involved. If the trade activity is considered high risk, the premium costs will be higher in comparison to the trades considered low risk.

The easiest and most convenient way to find out how much your public liability insurance will cost is to request a quote from Smart Business Insurance. Our business insurance specialists will help you find the most suitable cover and premium for your needs.

Smart Business Insurance place public liability cover for many tradesmen throughout Australia. You can talk to us on 1300 542 573 or email info@smartinsure.com.au .Our business insurance specialists will answer your questions about public liability insurance cover for a tradesman and can obtain multiple quotes on suitable policies for your trade from leading insurance companies.

1300 542 573

TALK to a SMART Business Insurance adviser

Business Hours:

Monday – Friday 8.45 am - 6.00 pm AEST

Tip for Sole traders and tradies. : Sole traders and trade based small businesses such as Pest controllers, Glaziers, electrician, rail workers, carpenters, cleaners, tree loppers , and installers will at least require public liability. They may also wish to include in a business pack, business interruption and tools cover. Commercial motor ,marine transport and personal accident may also be able to be protected. Some larger trade based companies, depending on their work should also consider cyber insurance, management liability and professional indemnity.

Tip for trade based businesses responsible for insuring commercial property : consider at least public liability, and a business pack containing business interruption, product liability, general property, machinery breakdown, stock , glass, flood, money. Depending on your circumstances more or less cove may be required. Talk to a SMART insurance broker for an affordable and suitable insurance solution for your business activities on 1300 542 573 or info@smartinsure.com.au