Public Liability Insurance For Tradesmen
Public Liability Insurance For Tradesmen no matter what your occupation, we do your insurance properly and promptly!
- Plumbers (including Victorian plumbers)
- Electricians (including Queensland and High-Voltage electricians)
- Earthmoving Contractors
- Welders/Boilermakers
- Elevator/Lift Technicians
- Landscapers, Gardeners, Concreters and more…
We do all sorts of general insurances like Tools, Machinery, Personal Accident and more.
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3 Things You Should Focus On When Getting Your Public Liability Insurance.
Coverage
Your exact Occupation must be displayed on your policy.
Exclusions
Sneaky little things that must be avoided. Check those.
Affordability
Low prices and an ability to pay monthly.
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Trades Public Liability Insurance
The purpose of Public Liability Insurance for Tradesmen is to protect you against financial loss from claims in relation to property damage or personal injury that is caused by you.
Here are some examples:
Electricians
You had a contract to rewire a property and the apprentices’ work wasn’t checked properly. An accidental short circuit resulted in a house fire and the homeowner sues you for damages. Your Public Liability Insurance is there to protect you in a scenario like this.
Excavation Contractors:
As you were digging trenches for a new estate development, you have ended up accidentally damaging the underground services. Now there is a huge bill to pay. Public Liability Insurance comes in handy here.
Landscapers
Your work during a landscaping job was shonky. The rainwater is now draining towards the house and seeping in through the wall damaging the inside of the property. Your Public Liability Insurance covers the costs to fix the damage to the property.
Public Liability Insurance For Tradesmen Cost
The table below provides the information for the cost of public liability insurance for tradesmen for 3 different coverage limits.
| Occupation | $5 Million | $10 Million | $20 Million |
| Carpenter | 383 | 472 | 517 |
| Concreter | 480 | 572 | 766 |
| Electrician | 411 | 514 | 528 |
| Handyman | 369 | 478 | 580 |
| Landscaper | 418 | 507 | 496 |
| Plumber | 604 | 756 | 930 |
This cost estimates in this table are indicative for various occupations with a turnover of $100,000. It is interesting to note that Handyman Insurance tends to be much cheaper than Plumbing Insurance.
A properly set up Public Liability Insurance for Tradesmen is the first step towards completing your Tradesman Insurance package.
Tradesman Insurance
Tradesman Insurance is a bit broader than just the public liability insurance for tradies. It is a general term and we believe that it needs to cater to multiple risk elements that any Tradesman faces i.e.
- Tools and Property Risks
- Personal Accident & Sickness Risks
- Utes, Vans & other motor vehicle type risks
- Goods in transit risks etc.
Public Liability insurance for tradies – FAQs
Frequently Asked Questions (FAQ)
Does Public Liability Insurance cover personal injury?
If your business activities result in personal injury to a person other than you and your staff, your Public Liability Insurance responds to a claim.
You and your staff are not covered by Public Liability Insurance. You need Workers Compensation Insurance to protect yourself and your staff against personal injury. You may also need Personal Injury Insurance or Life Insurance to ensure that you are fully covered.
Does Public Liability Insurance cover theft?
No. Theft of your contents is not covered by Public Liability Insurance. You need to organise Theft Insurance for your stock and contents.
However, if you had in your possession goods that belonged to someone else in the course of running your business that got stolen, you may be able to make a claim against your Public Liability Insurance policy.
Public Liability Insurance versus Professional Indemnity Insurance: What’s the difference?
There is a huge difference between the two. Professional indemnity insurance protects you and your business against claims for alleged negligence or breach of duty arising from an act, error or omission in the performance of professional services.
Let’s say you are an electrical contractor who has the task of designing electrical services for a new building. You are not constructing the electrical services, just designing. The nature of your work is providing “professional advice”. If your client suffered a loss because of your poor design work, your professional indemnity insurance responds to claims made against you or your business.
Compare that to what we have covered above about Public Liability Insurance. There is quite a difference. Give us a call to discuss if you have any questions.