Insurance for Contractors and Subcontractors
- Public Liability and Tool cover
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Why do contractors need insurance?
Being a contractor is an exciting way to work for yourself. You enjoy a lot of freedom, choosing the clients you want to work with, negotiating your working hours, and setting your own rates. Plus, you get to work with many different companies instead of just a few!
But the freedom of being self-employed also comes with risks. If something goes wrong because of your work, it’s up to you to set it right. And if something goes really wrong, you could be hit with an expensive claim or lawsuit.
One way to help lessen contractor risks: insurance for contractors.
Contractor insurance (our name for policies designed for the needs of contractors and subcontractors) helps protect you from the financial fallout of common contracting-related risks. These policies can give you peace of mind, so you can focus on your clients.
Did you know?
Clients may require you to have certain types of contractor or subcontractor insurance, such as Public Liability or Professional Indemnity, to work with them. You will likely to asked to show proof of insurance before signing a contract with them.
Get cover that’s right for your business.
Professional Indemnity is an important type of contractor liability insurance that you might consider if you give advice or recommendations, provide a professional service, or design custom solutions. These policies cover you for losses claimed by a third party and defence costs due to alleged or actual negligence in your professional services or advice, including your defence costs cover.
As a contractor, you might be meeting with your clients regularly, working in their offices, or visiting worksites. You may want to consider Public Liability coverage, which helps protect you if a third party claims that your negligent business activities caused them injury or property damage. This includes defence costs cover.
Looking for an easy way to protect your contracting business from multiple risks? Business Insurance is a convenient package of policies that can be tailored to your needs as a contractor or subcontractor. You can include different types of cover, such as Public Liability, Tax Audit, and Business Interruption.
Personal Accident & Illness*
A serious injury or illness could derail your contracting business. Personal Accident & Illness insurance can cover your income and provide benefits for permanent disability and even death if you’re unable to work due to illness or injury. This coverage extends to unexpected injuries or illnesses suffered outside of your employment.
Why choose BizCover for your Contractor Insurance?
Built for small business
We know insurance and what makes small businesses tick.
Clear and competitive pricing
You can compare and choose from a range of highly competitive prices right there on your screen. Seriously.
Cover to match your needs
You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!
Real people adding real value
Our friendly service team is on hand and on a mission to make you smile!
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* This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
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