Public liability

Get the Best Public Liability Insurance for Your Business in Australia

Protect yourself from injury & property damage claims with our comprehensive policies. Let’s face it, even the most skilled tradie can experience an unexpected mishap. A dropped tool, a loose wire, or a miscalculation could lead to property damage or even injury. While accidents are a part of the job, the financial burden they bring shouldn’t be.

What is Public Liability Insurance?

Public Liability Insurance is the type of insurance that protects your business from financial losses if someone from the public (third party – member of the public) is injured at your business premises or their property is damaged due to your business activities. Having business Public Liability Insurance is pivotal to sheltering your business:

• Covers major mishaps: Minor fixes are manageable, but what if a mistake results in significant damage? Public Liability Insurance safeguards you from financial ruin caused by expensive repairs or lawsuits.
• Professionalism: Having this coverage shows your clients you’re prepared and take responsibility for your work, fostering trust and confidence in your services.
• Legal obligation: Public Liability Insurance is mandatory by law in some Australian industries. Don’t risk hefty fines for non-compliance.
• Protects your assets: A lawsuit judgment could cost your business significant money. Public Liability Insurance safeguards your business finances from such situations.
• Peace of mind: Knowing you’re financially protected lets you focus on running your business without worrying about unexpected lawsuits.

What Does Public Liability Insurance Cover for Tradies?

• Property Damage: Accidental damage to a client’s property during a business activity (e.g., a plumber accidentally punctures a pipe, electrician damages a wall). It covers the cost of repairs or replacements.
• Personal Injury: If a client or visitor gets injured due to your negligence (e.g., trip over tools, fall from scaffolding). It covers medical expenses, lost wages, and legal fees associated with the injury.
• Legal Expenses: Even if a claim is unfounded, the legal defence can be expensive. Public Liability Insurance covers legal costs if you’re sued by a third party.
• Dispute Resolution: Your insurer can help negotiate a fair settlement with the claimant, potentially avoiding a costly court case.

What is Not Covered Under This Insurance

• Intentional Acts: If you or your employees deliberately cause damage or injure someone, this won’t be covered.
• Illegal Activities: Public Liability Insurance doesn’t apply to accidents arising from illegal actions during business activity by you or your team.
• Your Own Property: Damage to your own tools, equipment, or vehicles isn’t covered by Public Liability Insurance. You may need separate property insurance for this.
• Employee Injuries: If a member of your team gets injured on the job, Workers’ Compensation Insurance is the appropriate coverage.
• Contractual Liabilities: Specific contractual obligations or guarantees you provide to clients might not be covered under Public Liability Insurance.

Who Needs Public Liability Insurance?

Public Liability Insurance is essential for all Australian businesses, regardless of size or industry. It acts as a safety net, protecting a business owner from unforeseen events that could lead to financial ruin. However, some industries face a higher risk of accidents and public liability claims.

Tradespeople

Sole traders, electricians, carpenters, builders, or small business owners need public liability insurance. Tradespeople work with tools, equipment, and materials that can cause injury or property damage if not handled properly. Even a minor mishap can lead to expensive lawsuits. According to Safe Work Australia, the construction industry has one of the highest rates of work-related injuries in the country. Public Liability Insurance provides peace of mind for tradespeople and their clients. If traders are also providing certain products (may be inform of some installations or attachments) they also need product liability insurance.

Service Providers

From hairdressers and personal trainers to cleaners and consultants, service providers interact directly with the public, and accidents can happen. Public Liability Insurance protects these business owners from claims arising from slips, falls, product malfunctions, or other incidents.

Businesses indulging in High-risk activities

Businesses involved in activities like landscaping, excavation, or event management have an inherent risk of property loss or damage, and injury. Public Liability covers them from the financial consequences of such events.

Don't let a small mistake turn into a big financial headache. Get the best Public Liability Insurance quote today!

Get Your Public Liability Insurance in 3 Easy Ways

Protecting your business with Public Liability Insurance is simple and takes just a few minutes. Here’s how to get started with Tradies 365.

1. Get a Free Quote

Click the button below to answer a few quick questions about your trade and business needs. Our online quote tool will provide you with a personalized estimate in minutes.

2. Review & Choose Your Coverage

We offer a variety of policy options to fit your specific situation. Review the details and choose the coverage that best protects your business.

3. Do you have questions?

Our friendly insurance specialists are here to help!

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Trader Public Liability Insurance

Many insurance providers offer specialised “Trader Public Liability Insurance” policies tailored to the specific needs of tradespeople. These policies offer a level of cover that includes common risks encountered on the job site, such as tool damage, property damage, and personal injury.

Remember: Public Liability Insurance isn’t just about protecting your business; it also protects your clients and fosters trust. By having this coverage in place, you demonstrate professionalism and give your customers peace of mind knowing they’re covered in case of an accident.

Public Liability Insurance: Get a Custom Fit for Your Trade

Public Liability Insurance is essential, but a one-size-fits-all approach doesn’t work for every tradie. Here’s why we offer customized policies:

• Tailored Coverage: Different trades have different risks. We understand plumbers face different situations than electricians. That’s why we offer add-ons for specific needs (e.g., tool damage for builders).
• Risk-Based Pricing: The number of employees you have or if you use subcontractors can affect your risk profile. We factor this in to offer you a competitive price.
• Focus on Your Needs: Tell us about your business, and we’ll build a comprehensive policy that fits your unique situation.

Our goal is simple: provide the right coverage at the best possible price. Get a quote today and see how we can protect your trade!

Why Choose Tradies365 for Your Public Liability Insurance?

We understand the importance of protecting your business with the right Public Liability Insurance. Here’s why we should be your partner:

• Competitive Rates: We offer affordable premiums without compromising on coverage. Get a quote and see how much you can save!
• Comprehensive Coverage Options: We have a variety of policy options to fit your specific trade and risk profile. Choose the coverage that best suits your needs.
• Quick & Easy Quote Process: Get a free quote in minutes – no hassle, no complicated forms.
• Exceptional Customer Service: Our friendly insurance specialists are here to answer your questions and guide you through the process.

Don’t just take our word for it – get a quote today and experience the difference!