Understanding Public Liability Insurance for Tradies

If you are working as a tradie in Australia, by law you must have public liability insurance. It is mandatory and all tradesmen should have cover. The nature of the work means that most tradies are in risky environments where accidents can and do happen. While most tradies get it because it is compulsory, it also makes sense to have cover in the event of an accident.

Finding Insurance

When looking for tradesman insurance, it makes sense to speak to an experienced insurance broker to weigh up your options. Most tradies work for themselves and they need to have a policy that provides the right type of cover. If you are unsure about public liability policies, it is best to talk to a knowledgeable broker who deals with tradesmen.

The right type of insurance policy provides small business owners with peace of mind. You must also consider the type of insurance cover you must have on certain sites or when becoming part of a trade association.

A wide variety of trades can be covered by tradesman insurance, some of these include:

  • Plumbers
  • Electricians
  • Carpenters
  • Bricklayers

Public Liability Insurance

If you are going to purchase public liability insurance, it is important to first understand what it is and how you will benefit from it.

Public liability insurance covers business owners and tradesmen from property damage or personal injury. If anyone gets hurt or property is damaged while you are on-site, you will generally be held liable if it came from your business activities. This means you will have to cover the cost of medical bills or the repair of the damaged property.

Instead of paying these costs out of your pocket, it makes sense to purchase public liability insurance in the event of an incident on site. When sometimes goes wrong, the insurance company will take care of the financial settlement on your behalf.


The cost of public liability insurance is generally affordable, and it can be as little as 50 dollars a month. The two main factors that affect the premium are the type of trade you do and the size of your business.

Taking out public liability insurance as a tradie makes perfect sense. Your job takes you into risky environments and accidents do happen. To ensure you are ready to deal with them, you will need a policy that has you covered. There is also a range of other insurance policies that help cover tradies.

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