Public Liability Insurance For Painters And Decorators

  • Public Liability and Portable Equipment cover
  • Trusted by over 220,000 small businesses
  • Pay by the month option & policy documents emailed instantly

Compare quotes from our trusted insurance partners*:

Sole Trader Insurance

... , visit different work sites, or accept deliveries to your place of work. Public Liability insurance helps shield your business against injuries and property damage claims brought by these people or other third parties ...

read more

Insurance for Tradesmen

... , you're not going to be able to talk your way out of a Public Liability claim. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the ...

read more

How much Public Liability insurance do I need?

... million or $20 million. Below is an overview of what is typically covered (and not covered) under a Public Liability insurance policy: What is typically included?* Claims for compensation due to personal injury suffered ...

read more

Public Liability Insurance in QLD

... s What is Public Liability insurance? Public Liability insurance is designed to provide protection for you and your business in ... - From chippies and sparkies to cleaners and decorators, Public Liability can provide ...

read more

Public Liability Insurance NSW

... you want to think about is paying for unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the ...

read more

Public Liability Insurance WA

... you want to think about is paying for unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the ...

read more

Do I Need Public Liability insurance?

... ' negligence Secure your reputation and protect your back pocket with Public Liability Insurance for your small business. Why Do I Need Public Liability insurance? Public Liability insurance may be essential for small ...

read more

What does Public Liability Insurance cover?

... can be very expensive (the example above could easily cost well over $ 50 , 000 ) , and not having Public Liability insurance means you could well end up paying for the claim straight from your back pocket . Bear in ...

read more

Public Liability Insurance QLD

... thing you want to think about is for unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the ...

read more

How much does Public Liability Insurance Cost?

... criteria will apply.  Get a hassle-free quote for your business here. Given the various industries and occupations Public Liability insurance can cover, also means the cost of it can vary greatly. This is due to a ...

read more

Public Liability Insurance In Rockhampton

... businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several ...

read more

Public Liability Insurance In Port Macquarie

... businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several ...

read more

Public Liability Insurance In Perth

... businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several ...

read more

Public Liability Insurance In Mandurah

... businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several ...

read more

Public Liability Insurance In Hobart

... businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several ...

read more

Public Liability Insurance In Darwin

... businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several ...

read more

Public Liability Insurance In Brisbane

... businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several ...

read more

Public Liability Insurance In Adelaide

... businesses that are predominantly office-based, such as consultancy occupations. Given the various industries and occupations Public Liability insurance can cover, the cost of it can vary greatly. This is due to several ...

read more

Public Liability Insurance Explained

... made to her of $75,000 as well as defence costs (to the assessor and lawyer) of $30,000. Without the public liability insurance, the graphic design business would have been liable for over $100,000! * This information ...

read more

Legal Requirement for Public Liability Insurance

... any claims brought against your business and as such is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement ...

read more

Public Liability Insurance for Cabinet Makers

... or as a condition of entry to a worksite. If so, make sure you have your Public Liability insurance policy sorted before you pick up the tools and that you have the right level of cover required. What can happen if your ...

read more

Public Liability Insurance NSW

... .If your business involves working with third-parties like customers, suppliers and members of the public, then you may want to consider Public Liability insurance . It is designed to protect a mix of businesses, from ...

read more

Public Liability Insurance Scenario

... have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss, injury or ...

read more

How to become a painter and decorator

... let BizCover lend a hand when it comes to your business insurance. Compare competitive painter and decorating insurance quotes online, get covered in 10 minutes, and get on with your day without missing a step. Get your ...

read more

Public Liability

... visit your premises, or you going to visit them, providing your advice and services, then Public Liability and Professional Indemnity insurance may be two important forms of coverage your business needs to consider. Not ...

read more

Public Liability PPC

... are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs; and compensation awarded, in the event of somebody ...

read more

New Public Liability-1b

... policy. Get Public Liability insurance under a minute Search for occupation and compare quotes Notice: JavaScript is required for this content. What is Public Liability insurance ? Public Liability insurance is one of ...

read more

New Public Liability-1a

... policy. Get Public Liability insurance under a minute Search for occupation and compare quotes Notice: JavaScript is required for this content. What is Public Liability insurance ? Public Liability insurance is one of ...

read more

New Public Liability-1c

... policy. Get Public Liability insurance under a minute Search for occupation and compare quotes Notice: JavaScript is required for this content. What is Public Liability insurance ? Public Liability insurance is one of ...

read more

Information Technology Liability Insurance

... clients fails. It is a combined policy that offers the protection of both Professional Indemnity and Public and Products Liability insurances*. It's designed to give you peace of mind, addressing the potential overlap of ...

read more

Allied Health Combined Liability Insurance

... against both kinds of risks. The Allied Health Combined Liability insurance product includes protection for Professional Indemnity and Public Liability insurance* and is available for over 200+ allied health professions ...

read more

Insurance for Plasterers

... wording. Insurance for Plasterers Public Liability Insurance* Protecting your business with Public Liability insurance is a concrete decision. Public Liability insurance is designed to provide protection for you and your ...

read more

Reviews related to Public Liability Insurance For Painters And Decorators

  • Great Price on my Liability insurance

    James M
    Trades & Services

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M McIntosh
    Trades & Services

  • Awesome so quick and easy! Highly recommend.

    Dagen P
    Garden And Lawn Maintenance

  • easy and effective

    Christopher P
    Plumber/Plumbing and Gas Services

  • Easy and effective thank you

    Werner B
    Garden And Lawn Maintenance

  • easy to navigate and buy a policy

    Paul S
    Garden And Lawn Maintenance

  • easy to use and very helpful, Thanks

    Scott G
    Plumber/Plumbing and Gas Services

  • Nice and easy

    Warrick O
    Garden And Lawn Maintenance

  • quick and easy

    Vinicius D
    Garden And Lawn Maintenance

  • quick and easy - great work

    David M
    Garden And Lawn Maintenance

  • Very quick and easy

    Wendy C
    Garden And Lawn Maintenance

  • Very quick and easy !

    Stenio C
    Garden And Lawn Maintenance

  • was quick and clean and that is what we need in our busy world. Thanks heaps

    Garry E
    Plumber/Plumbing and Gas Services

  • Easy no fuss way to purchase insurance

    Heath W Wheeler
    Trades & Services

  • Thanks insurance made simple

    Phillip A
    Trades & Services

  • unbelievable savings truly amazing the difference in the insurance costs thank you biz cover i will be recommending you to all my fellow business owners regards Palew Constructions

    Richard A
    Trades & Services

  • Easy and effective thank you

    Werner B Birnbaum
    Trades & Services

  • Good website, and easy to use.

    Marika S Shipton
    Trades & Services

  • Very fast and convenient

    Daniel R Royal
    Trades & Services

  • Compare the market were quick to respond to my enquiry, were extremely helpful, took the time out to understand what I needed and came back with some quotes very quickly. They helped me understand what insurance would be best for me and were extremely kno

    Sarah W Woodland
    Trades & Services

  • Awesome. So quick and easy

    Haami D Dewes
    Trades & Services

  • Website to renew is hard in ipads and worse on iphones, took about 15 times reloading

    Jade M
    Trades & Services

  • Quick and easy. Honestly couldn't be happier

    Julian E
    Trades & Services

  • Easy, fast and very helpful

    James R
    Trades & Services

  • Great experience, easy, streamlined and clear to understand.

    Simon L
    Trades & Services

  • Very quick and easy to set up

    Shaun D
    Trades & Services

  • easy and effective

    Christopher P
    Trades & Services

  • Very quick and easy

    Wendy C
    Trades & Services

  • Easy and quick to use

    Alexander J
    Trades & Services

  • Easy and convenient to renew online

    Billy M
    Trades & Services

  • quick easy and good prices

    Kyle B
    Trades & Services

  • Quick and easy

    Lee M
    Trades & Services

  • Great help and cover

    Jade M
    Trades & Services

  • easy to nbuy and set up which is great

    Dennis H
    Floor Covering Laying

  • easy to use and done in less then 5 mins

    Nathan R
    Gardening Maintenance Service (Except Landscape Gardening)

  • Quick and easy

    Adam D
    Tiling - Floor

  • Quick and easy, just the way I like it.

    Adam C
    Gas Plumbing

  • Efficient, professional and to the point. Not pushy and pointing out important information to consider. Thank you!

    Erika K Kruger
    Trades & Services

  • GEORGE GABRIEL IS AN ASSET TO BIZCOVER AND SHOULD BE COMMENDED FOR HIS EXCELLENT ATTITUDE AND ENERGY!

    Zoe H
    Trades & Services

  • Excellent as usual

    NATALIE LAWRENCE AND TIMOTHY SADLER T T/A GRASS MUNCHERS MOWING
    Trades & Services

  • A very simple process.

    Karl S
    Plumber/Plumbing and Gas Services

  • Easy

    Tom G
    Plumber/Plumbing and Gas Services

  • Easy as!

    Joshua B
    Garden And Lawn Maintenance

  • easy site to use :)

    Luke B
    Plumber/Plumbing and Gas Services

  • Great

    Neil G
    Plumber/Plumbing and Gas Services

  • Great

    Allan Y
    Plumber/Plumbing and Gas Services

  • Great

    Ben F
    Plumber/Plumbing and Gas Services

  • Overall great experience.

    Claude L
    Garden And Lawn Maintenance

  • thank you

    Tahlia P
    Plumber/Plumbing and Gas Services

  • Very easy to negotiate this site. Thank You

    James L
    Garden And Lawn Maintenance

  • Very good

    Mohamed M
    Plumber/Plumbing and Gas Services

  • very easy to get my public liability insurance done within minutes!! Thanks.

    Troy M
    Landscape Construction

  • Easy very fast and efficient, 1st timer on public liability insurance

    Les K
    Door Or Window Wholesaling

  • Very affordable insurance for public liability. I now use Bizcover for both my fast food business and my contractual training work.

    Katrina S
    Fast Food Retailing

  • I have never purchased public liability insurance so I had no idea about anything. I rang Biz cover and spoke to Patrick who was super helpful and explained everything to me in a simple way that was easy to understand, I believe that I have also received

    Simona F
    Kitchen / Bedroom / Bathroom Furniture Manufacture & Installation

What is insurance for tradesmen?

Whether you’re a carpenter, a handyman or a plumber, things like accidentally injuring or damaging a third-parties property or getting your tools stolen are real risks that tradies face every day. Business insurance for tradesmen is designed to give your tradie business the protection it needs and peace of mind knowing that you have a safeguard in place when things don’t stick to the blueprint.

Why do Tradesmen need insurance?

The reality is as a tradie you are exposed to different kinds of risks, making it vital to look at the various types of business insurance options available and how they can protect your business. These are some examples of when business insurance can help:

  • Protection against claims from third parties for accidental personal injury or damage to their property
  • Protection for your tools of trade in case they are lost, stolen or damaged
  • Certain types of business insurances may be required when taking on a contract
  • Financial protection in the event you are faced with a claim

 

Don’t be a ‘hero’ and rock up to your next job without your insurance. With BizCover you can get multiple competitive quotes from some of Australia’s leading insurers online quicker than you can say “smoko” and grab yourself a feed from the tuck shop!

Did you know?

Your Public Liability policy covers you anywhere in Australia, so you can work your trade magic anywhere from Brisbane to Balmain!

What insurances should tradesmen consider?

There are a few types of business insurances you may need to consider as a tradie. This is a snapshot of a few:

Public Liability Insurance

Public Liability insurance may be a requirement for tradies well before you step foot on site and is one of the important types of cover you may need to look at.

Even if you can talk your way out of a pile of rubble, you’re not going to be able to talk your way out of a Public Liability claim.  Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

Consider the possible personal injury claims from trip hazards created by your work activities or the risk of property damage claims – what about if you dropped a hammer and cracked some tiles? What if you forgot to turn the power mains off and electrocuted someone?

A personal injury and property damage claim could have a huge impact on your business, not only financially, but also to your company’s reputation.

If you’re working as a contractor, you should also consider your contractual obligations to carry a minimum amount of Public Liability insurance.  You may also be required to hold Public Liability insurance if you are a member of a particular trade association.

What is typically included?

Compensation for:

  • personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered claim

 

What is typically not covered?

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period

Business Insurance

Your tools of trade and other business assets help you get the job done, so consider protecting them with coverage options like Portable Equipment* and Contents*

Insuring your tools, and your business against an instance when you have to down tools will ensure you still have a business,

Portable Equipment* – it’s likely you’ve accumulated a lot of tools over several years of work. If they were lost or stolen could you turn up to work the next morning and keep working? She’ll be apples with Portable Equipment cover – it insures items such as tools, business equipment or electronic items.

Professional Indemnity insurance

If you are an electrician, plumber of carpenter, sharing your tradie pearls of wisdom to your clients could lead to a potential claim if things don’t exactly go to plan and an accidental error occurs.

There’s no doubt you know your stuff when it comes to all things tradie, and if you are an electrician, plumber of carpenter  client’s may often seek out your advice on certain things. But did you know that if your advice causes them a financial loss you could be held responsible? That’s where Professional Indemnity insurance can provide a helping hand.

Professional Indemnity insurance covers you for losses claimed by a third party and defence costs due to alleged or actual negligence in your professional services or advice.

Personal Accident & Illness Insurance

Working as a tradie you rely on being physically fit to your business going and getting the job done, so if accident or illness were to strike you need to think of Plan B to help provide an income while you’re off recovering.

As a tradie you need to be fit and healthy to bring in the dough – but have you stopped to think about how you would keep on paying the bills if you were to injure yourself or fall ill and had to take time off work to recover? Accidents can happen anywhere, anytime. It could be at work or even on your own time; whether you are doing a bit of DIY around the house or playing a game of backyard footy on the weekend.

Personal Accident and Illness Insurance provides levels of cover for loss of income, permanent disablement and even death if you are unable to work as a result of an injury or illness.

Product Liability insurance

If your tradie business starts selling products, you may need Product Liability insurance to protect from claims from third parties for property damage or injury.

Tax Audit

If your tradie business is investigated by the ATO it can be a stressful and time-consuming event. It’s a hassle and worry that you don’t need hanging over your head, and that’s where Tax Audit insurance can make things less stressful.

If your accounts are audited by the ATO, you may need to hire external professionals, like an accountant to assist in the process. Tax Audit Insurance covers a business for specified costs in responding to an official tax audit.

An unwanted trade

A tradie working on a commercial building locked up his tools before leaving the worksite at the end of the day. The next morning when the site was opened his tools were nowhere to be seen. A double whammy – no tools and potentially a contractual penalty for delaying the work. The insured’s claim was dealt with quickly and he was able to replace his tools in time to avoid all penalties.

Why choose BizCover for your tradesmen insurance?

BizCover - No Jargons

We won’t bore you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English.

BizCover - Built for Small Businesses

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!

No paperless

No paperwork required

We don’t believe in mountains of forms and paperwork, just online insurance made easy!

BizCover - Real People

Real people adding real value

Our friendly service team is on hand and on a mission to make you smile!

What kind of tradesmen need business insurance?

These are just some examples of the type of trades industry’s which need to consider business insurance to protect their business:

Tradesman insurance covers a broad range of modalities, including:

  • Carpenters & Woodworkers
  • Electricians
  • Handymen
  • Plumbers
  • Concreters
  • Garden & Lawn Maintenance
  • Painters
  • Bricklayers
  • Lawn Mowing Service
  • Tilers

How much does insurance cost for tradesmen?

Every tradie is different with their own unique features and types of potential risks. There isn’t a one-price fits all kind of tradie insurance policy, the pricing is dependent on your individual factors and circumstances.

These factors can be things like:

  • Your claim history
  • The type of business operations you perform
  • Your annual turnover
  • The number of staff
  • Level of cover
  • Claims history

 

To receive an accurate idea of how much business insurance will cost for your tradie business have a chat to our friendly team to get a quote.

Frequently Asked Questions

Certain types of business insurance like Public Liability insurance may be a requirement before you can work on a job. It is always important to check your contract or agreement to see if a minimum level of cover is also stipulated.

If you rent your business premises, Public Liability and even Glass cover may be outlined as a requirement of your rental agreement by your landlord.

Just like any other self-employed business, insurance is something which you should consider as part of your business plan to help you stay in the tradie game for the long haul. While some types of insurance may be a requirement, there are a variety of coverage options designed to protect the things that matter most to your tradie business.

Just like the cost of business insurance, there isn’t a blanket cover for all tradies. However, there are a few factors that you can keep in mind when trying to calculate your level of cover. For example:

  • The size of the jobs that you are working on. The higher the cost, the higher risk and you may want to look at increasing your Public Liability insurance accordingly
  • Is there a minimum amount of cover stipulated in your contract?

Prefer to talk?

Call us and talk to a real person.
Friendly, helpful service from a business insurance professional.

1300 249 268

Mon-Fri 8.30am-7.00pm
Sat 9.00am-5.00pm

* This information is a general guide only and does not take into account your objectives, financial situation or needs.  As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.