Public Liability Insurance In Construction

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How much does Public Liability Insurance cost for Tradesmen?

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Insurance for Tradesmen

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Sole Trader Insurance

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Public Liability Insurance In Brisbane

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Public Liability Insurance In Port Macquarie

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Public Liability Insurance In Mandurah

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Public Liability Insurance In Darwin

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Public Liability Insurance In Rockhampton

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Public Liability Insurance In Brisbane

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Legal Requirement for Public Liability Insurance

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Public Liability Insurance in QLD

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Insurance for Plasterers

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Insurance for Civil Engineers

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Insurance for Land Surveyors

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Insurance for Civil Engineers – what you need to know

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What is Civil Engineering

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Role of a Civil Engineer

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How to obtain a builders licence in Queensland?

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How to become a concreter: Apprenticeships, qualifications

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How to start a concreting business

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11 tips for growing long-lasting contractor business

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What is the Job of a Land Surveyor?

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Why Land Surveying is an Important Career

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How to get a concreting licence – requirements, qualifications

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Tips for women tradies to stay ahead in 2023

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How to become a fencing contractor – Get a fencing licence

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How to start a fencing business in Australia

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7 reasons why carpentry is a great trade

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How to get a NSW plumbing licence

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Concrete pumping safety tips: Do’s and don'ts

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How to become a painter and decorator

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Earthmoving and Excavators Insurance

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Insurance for Engineers

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How To Become a Roofer or Roofing Contractor

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Painter’s licence requirements by state in Australia

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Tradies urged to review insurance heading into 'tougher months'

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What insurance do contractors and subcontractors need?

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Business licencing in Australia: The definitive guide

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Top 6 tips to keep healthy as a tradie

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A guide to choosing the right trade business

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Business Insurance on the Gold Coast

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Insurance for Electricians

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Business Insurance on the Central Coast

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Insurance for Architects

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Business Insurance in Mackay

Business Insurance in Cairns

Business Insurance in Bunbury

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Reviews related to Public Liability Insurance In Construction

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

Shirley M McIntosh
Trades & Services
Great Price on my Liability insurance

James M
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
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
Easy no fuss way to purchase insurance

Heath W Wheeler
Trades & Services
Thanks insurance made simple

Phillip A
Trades & Services
very easy to get my public liability insurance done within minutes!! Thanks.

Troy M
Landscape Construction
all good

Ben F
Landscape Construction
Chat help is excellent.

Matthew B
Builder - House Construction Alteration Or Renovation
easy process.

Dany K
Architect and Architectural Consulting Service (Except Construction Project Management)
easy to use

Lee W
Carpentry Work On Construction Projects
Fast efficient on-line process. Well done!

Conrad K
Builder - New Dwellings Construction - Houses
fast work

William P
Data Communication Cabling Installation - Buildings Or Other Construction Projects
good

HUA Y
Builder - House Construction Alteration Or Renovation
Good

Shane P
Concrete Footpath Construction
Good options

Dale B
Landscape Construction
Good work

Craig H
Carpentry Work On Construction Projects
Great

William P
Data Communication Cabling Installation - Buildings Or Other Construction Projects
Great communication and prompt quote.

Justin D
Architect and Architectural Consulting Service (Except Construction Project Management)
Great easy process thankyou

James R
Landscape Construction
Great service and zero stress

Samyal D
Civil Engineering - Road Or Bridge Construction
Incredible was so easy to perform

Glen J
Data Communication Cabling Installation - Buildings Or Other Construction Projects
It's Quick, Simple and easy to understand

Indrek J
Lawn Construction
Nice and easy

Dave T
Infrastructure Construction (not otherwise specified)
Quick and easy

Lee M
Agricultural Or Construction Machinery Repair Or Maintenance
Quick and fuss free

Pasquale S
Builder - House Construction Alteration Or Renovation
So easy

Jemima D
Landscape Construction
So easy to do

Brad W
Carpentry Work On Construction Projects
System is looking good

Nita N
Builder - Commercial Building Construction
Take the rest of the Day off you have done so well, nice upselling

Richard G
Builder - House Construction Alteration Or Renovation
Thank you George.

Brent G
Data Communication Cabling Installation - Buildings Or Other Construction Projects
Thank you.. Joey Asa excellent job

Christopher B
Data Communication Cabling Installation - Buildings Or Other Construction Projects
Thanks for the support call very helpful cheers

Nicholas B
Data Communication Cabling Installation - Buildings Or Other Construction Projects
Thanks~!

Mark B
Architect and Architectural Consulting Service (Except Construction Project Management)
Thankyou for your prompt support call

Michael K
Carpentry Work On Construction Projects
Too easy great customer service

Brett F
Data Communication Cabling Installation - Buildings Or Other Construction Projects
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

Richard A
Builder - House Construction Alteration Or Renovation
Very easy

Peter B
Concrete Footpath Construction
Very easy step by step procedurer thankyou

Michael R
Concrete Work On Construction Projects
Very Easy To Fill In Forms. . Only takes a few minutes.

Ron B
Coolroom construction
very easy, no hassles.

Cain H
Concrete Foundation Construction
very easy, well explained very recommended

Michael G
Builder - House Construction Alteration Or Renovation
Very fast and convenient

Daniel R
Landscape Construction
Very helpful - thank you.

Allan P
Architect and Architectural Consulting Service (Except Construction Project Management)
very simple and easy no fuss

Dale B
Carpentry Work On Construction Projects

Public Liability Insurance cost for Tradesmen

Insurance for Tradies

What is insurance for tradesmen?

Whether you’re a carpenter, a handyman or a plumber, things like accidentally inuring 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.

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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!

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No paperwork required

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

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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

Is business insurance compulsory for tradies?

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.

I am a sole trader, do I need Tradesman insurance?

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.

How much Public Liability insurance should my tradie business have?

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?

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Friendly, helpful service from a business insurance professional.

1300 249 268

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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.