WHY DO I NEED PUBLIC LIABILITY INSURANCE?

If you are a tradie and worked in your business for a while, then you have most likely seen a few mistakes or accidents. Having an accident or making an error happens to everyone. This does not mean you are not highly skilled; it means that you and your crew are human. The only problem is the person or company with the damaged property will probably view an honest mistake as a big issue and demand restitution. If the damage is small and relatively inexpensive, the chances are that you can cover the cost of the necessary repairs. However, can you afford to cover repairs for a significant problem, where costs are in the thousands and tens-of-thousands of dollars? This is why most tradies insure themselves against such occurrences with public liability insurance.

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CONDITIONS COVERED BY PUBLIC LIABILITY INSURANCE

Generally speaking, public liability insurance covers damages to property or another person caused by you or a representative of your company. While your coverage specifics can vary, the majority of tradies believe they cannot afford to operate their business without public liability insurance.

In addition to covering the expenses of work-related damage, public liability insurance can keep you and your businesses’ name out of court proceedings. Our insurers will begin by assessing the damage and working out a mutually acceptable resolution. In the event that you cannot avoid court, your insurer and insurance broker will be with you along the way.

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EVENTS NOT COVERED BY PUBLIC LIABILITY INSURANCE

Much the same way you should understand what your insurance policy covers; you need to be aware of what your public liability policy will not cover. While some policies have different caveats built in, there are several events which are universally not covered by public liability insurance.

  • Acts by you or your employees that purposefully cause property damage or personal injury
  • Acts considered unlawful
  • Damage to your or your employee’s personal property
  • Personal injury to you or your employees
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CHOICES IN POLICIES

Although public liability policies are similar in many respects, various trades often need specific addendums. This is particularly true if you are a tradie in a field that is high-risk. Other factors that impact your policy include your number of employees, or whether you work with subcontractors on a regular basis.

We tailor our policies to your specific trade because we understand the fact that insurance is not one-size-fits-all. After you provide us with specifics about your business, we will build a comprehensive policy including your risk profile and purpose. Our goal is always to provide you with a policy that meets your needs at the best price possible.

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