Public Liability Insurance for Trades

Public liability insurance is one of the most common types of insurance a tradie will take out as it will protect you if damage is caused to someone else’s property or if there is an injury to a third party while working on a job site. While it is not a legal requirement it is often a contractual requirement and can provide financial support if a third party makes a claim against you.

• the general public (such as someone lawfully visiting your premises or worksite)
• your customers, their property and their possessions
• suppliers and contractors

The costs of a potential claim against you from a third party could be crippling to your finances and your business. This is why public liability is often a contract requirement in many industries and a prerequisite for providing services to customers.

Public liability insurance cost can be as little as $40 for a carpenter sole trader. Your occupation, number of employees and turnover can affect the amount you pay for public liability insurance.

Our experienced tradie team can help put the right level of cover in place for you. We offer a choice of indemnity options for 5, 10 or 20 million dollars.

Premiums are tax deductible as a business expense and you also have the option to pay premiums monthly at no additional cost.  We’ll work hard to offer competitive premiums that will help you save year after year.

Download our policy document for a full list of defined events and details of exclusions and sub-limits that may apply.  The imar Tradies Public Liability Insurance product is subject to the policy terms and conditions.