Public Liability Insurance for Tradesmen

Is Your Business Protected?

Public liability insurance is one of the most common types of insurance that small businesses choose to take out. It is there to provide protection if someone makes a claim against the insured, the business, or its employees. Claims from a thrid-party can be for personal injury or damage caused to their property caused by your business activities.

We offer affordable public liability insurance for 100+ trades. Get an instant quote now:

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What Is Public Liability Insurance?

Due to the hazardous nature of some worksites there are plenty of things which can go wrong. Thankfully, public liability insurance can cover some of these risks at a very affordable cost. Public Liability can protect a tradesman from some of the largest financial losses they can experience.

Public Liability Insurance was designed to protect business owners from the financial risks of causing property damage or personal injury to other people in the day to day operation of their businesses. (It doesn’t cover injuries to you – that’s Personal Accident and Illness – or your employees – that’s Workers’ Comp.)

When your business activities causes property damage or personal injury to another person you will generally be liable for any resulting financial costs. This can range anywhere from a few hundred dollars for a minor claim through to a million dollars plus in extreme cases.

Rather than having to pay this money out of your own pocket and risk your business and personal assets, you can take out public liability insurance. The insurance company will then take care of the financial payout provided that the claim is within the policy limits.

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It only takes a few minutes. Get a quote from our friendly team at All Trades Cover today. We offer affordable insurance solutions for over 100 different trades.

What Is Covered?

What is typically included?

  • Compensation costs for the personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • Compensation for damage to property owned by a third party due to your negligent business activities
  • The legal and defence costs associated with a covered claim
  • Compensation for damage of third-party goods not owned by you which are in your care, custody or control
  • Many public liability policies also provide cover for product liability.

What Isn't Covered?

What is typically not covered?

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship or product recall
  • Professional negligence
  • Events occurring before or after the policy period
  • Aircraft products
  • Asbestos
  • Liquidated damages
  • Punitive damages where the insured acted so badly that extra damages were awarded
  • Liabilities assumed under contract which the insured would not be liable for at common law
Personal Accident and Illness Insurance

Your Cover Options For Public Liability

When deciding on how much cover you should have a think about factors like:

  • Do any of your contracts require a minimum level of public liability cover?
  • Has your industry body set a minimum level of public liability cover for membership?
  • Does your business or trade license require a minimum amount of public liability cover?
  • What kind of accidents could occur due to your business operations and what could be the potential cost of a claim?

Who Needs Public Liability Cover?

For some tradies it can be mandatory, whilst for others it is simply a way of protecting themselves, their business and their assets.

Public Liability Insurance is important for all tradesmen who are self-employed or who are working as subcontractors or contractors. Basically, if you’re not under a direct employee – employer relationship then you have a risk exposure which the right liability policy can cover.

As a self-employed tradie or subcontractor you are responsible for your own actions on site. If you cause property damage or personal injury to another person you will be liable for financial damages, legal defence costs and other charges. In fact, your workmanship could get you into grief long after you’ve left the worksite, finished the job completely or even after you’ve retired.

Many worksites operated by building and construction companies won’t let you on site without a Certificate of Currency (sometimes called a Certificate of Insurance). They generally have mandatory public liability requirements for all subcontractors working on a site.

Some states and trades require public liability insurance due to licensing requirements such as electricians in Queensland and Tasmania, as well as plumbers in Victoria. You will be unable to apply for or renew a contractors licence without proof the correct cover is in place.

Even if public liability cover is not mandatory for your situation, it is still a very effective way of protecting yourself, your business and your assets if you are a self-employed tradesman.

How Much Does Public Liability Insurance Cost?

The cost of tradesman public liability insurance is generally very affordable and can be had from as low as $30 a month, however the price can vary depending on your business type, location and size.

The biggest factors affecting premiums for tradesmen are the type of trade and the size of the business in terms of revenue or employee numbers. Also if you do work in any hazardous locations such as mine sites, high rise buildings, subsea, offshore, and airports the premium may also be affected.

As with most types of insurance, the Public Liability Insurance cost will be determined by the potential rish that you pose. If your business activities are considered higher risk you will be charged a higher premium, and if you are considered lower risk you will pay a lower premium.

The easiest way to find out how much your public liability cover will cost is to use our online quote which can give you a quote within seconds.

An important thing to remember is to get insurance for the trade you will be performing and follow your duty of disclosure. If you perform a task outside of what you said you would do, the insurer might not cover you in the event of a claim. It’s not worth getting a policy that doesn’t cover you to save a couple of dollars a week. If you want to check what your policy covers, contact us.

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Our Easy Online Quoting System

Our online quoting system makes arranging quotes for tradesman Public Liability Insurance one of the quickest ways a tradesmen can arrange cover. On top of this we also provide our professional service and advice for those trades that are higher risk, technical or unique trades. No matter what your trade is we can assist.

To obtain a quote on your Public Liability Insurance just answer a few questions on our quote page or give our office a call and speak to our Tradesman Insurance Team.

For a public liability insurance online quote, fill in our easy online enquiry form and get:

  • $5, $10 or $20 million liability cover
  • Product liability cover included
  • Easy monthly payment options
  • Free legal advice
You Are in Good Company

Trusted by Tradies All Over Australia.

Just want to quickly say that Haylee from the WA office is absolutely amazing! When the VBA stopped us at every turn trying to renew my partner’s licence Haylee went above and beyond with stay back late to countless back and forth emailing until the VBA were satisfied. Props to you Haylee, you don’t get customer service like that anymore!


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Your time is precious so we make it easy as possible, simply visit and complete the form to receive an instant quote.

It’s takes just minutes, Your business can be protected for up to $20,000,000, You can buy online. We can insure your tools too!  Visit

As a sole trader, Public Liability is a popular choice of cover and provides a safe environment for third parties when they interact with you as a small business owner. In the event a customer, supplier or a member of the public become injured or sustain property damage as a result of your negligent business activities, Public Liability insurance is designed to provide that protection for you and your small business. Speak to our team at All Trades Cover today!

No. Public Liability Insurance was designed to protect business owners from the financial risks of causing property damage or personal injury to other people in the day to day operation of their businesses. Public Liability insurance is designed to provide protection for your business and you in the event a customer, supplier or a member of the public are injured or sustain property damage as a result of your negligent business.

While each policy is a little different, there are several standard elements you will find in most business packs. Business insurance is an insurance package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business insurance package can also cover your portable equipment, glass and for loss of revenue due to business interruption in specified circumstances. It also offers the option of selecting public liability cover but that is not automatically included.

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