Public liability insurance does a great job of protecting your business against injury claims, loss or damage claims made by a third party as a result of your negligence, and with most policies that will extend to cover your products (if Broadford or Product Liability is included)
However, there are several common business scenarios where the policy will not cover you.
Faulty workmanship
Property damage claims make up a large percentage of public liability claims, but where that damage is caused by your faulty workmanship, it’s likely to be declined. Some insurers will offer this as an extension to cover for some trades but speak to your broker if you feel that this is a large exposure for your business.
Injury or damage to you or your property
If you as the business owner sole trader or worker are injured as a result of your negligence, your public liability insurance will not respond, this also goes for loss or damage to your property the policy will only cover loss to a third party.
There are a number of income protection, personal accident, or workers compensation options to protect you and your workers, and general property cover may cover for loss or damage to your property, your broker can assist with assessing your risk.
Loss or damage as a result of your professional advice
Doctors, lawyers and even plumbers can cause financial loss as a result of the professional advice they give, this loss is generally excluded in most public liability policies and you or your business may need to consider professional indemnity insurance.
Damage or injury as a result of motor vehicle claims
Most registered vehicles, car insurance, truck insurance will include some form of third party liability cover, however your businesses public liability policy will not cover damage or injury as a result of motor vehicle claims.
Still not sure if it’s covered?
Speak to our brokers about the risks your business face, have a claim scenario? Avoid having your claim declined by an insurer by speaking to our brokers first, as you will need to declare the declined claim every time you apply for insurance and may result in that insurance being refused.
Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.
insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service
$5 million, $10 million and $20 million dollars cover options
Call us or complete the request below
Once completed the team will match you up with a range of leading Australian Insurers
Insurers used by Insure Tradies include
Our partners have consented to the use of these logos
As part of the Steadfast network we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.
* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover
Δ Not all insurers will offer quotes for all occupations
Public Liability Risk for Scaffolders
Overall the Public Liability risk for this occupation is high, although the risk at the premises is fairly limited for scaffold contractors, as there would be few visitors, unless there is a scaffold hire/rent operation on-site. The types of work conducted will affect various exposures. The main risk associated with work at the site/s includes: (a) The risks of materials falling from or being blown from height and cause injury to people or property; (b) Unauthorised access, attractive nuisance; (c) Performance of hot work, smoking; (d) Liability to sub-contractors, vicarious liability for sub-contractors; (e) Damage to customer and other third party property; (f) Business interruptions e.g. from interruption of gas, electricity or water supply; (g) Third party injuries from tools, equipment and materials; and (h) Frequent movement of cranes and material handling equipment and liability for accidents caused by such unregistered mobile machinery/equipment. Construction and other busy work sites present serious risks depending on the relationships between the insured and other tradesmen/contractors on-site. Good risk management of on-site risks is essential. Contract Works insurance will be required for large scale projects. If the insured lease out equipment/scaffold equipment such lease agreement should specify the adequate instruction for customers about how to use such equipment. Scaffolding construction industry is highly regulated. Equipment failure or malfunction could result in serious injury or death and therefore, strict compliance with manufacturer’s instruction is important. Any alteration or misuse of such equipment will increase the exposure. It is important for the underwriter/adviser to establish the details of all major contracts because of the variety of possible work/projects undertaken, as it will give some idea of the potential hazard and exposure.
Once completed the team will match you up with a range of leading Australian Insurers
Insurers used by Insure Tradies include
Our partners have consented to the use of these logos
As part of the Steadfast network we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.
* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover
Δ Not all insurers will offer quotes for all occupations
Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.
insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service
Commercial Cleaners Public Liability Insurance from $545 pa $5 Million Cover. $5 million, $10 million and $20 million dollars cover options. Australia wide coverage.
Some insurers will offer cover for shopping centres and supermarkets
Call us or complete the request below
Once completed the team will match you up with a range of leading Australian Insurers
Insurers used by Insure Tradies include
Our partners have consented to the use of these logos
As part of the Steadfast network we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.
* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover
Δ Not all insurers will offer quotes for all occupations
Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.
insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service
Once completed the team will match you up with a range of leading Australian Insurers
Insurers used by Insure Tradies include
Our partners have consented to the use of these logos
As part of the Steadfast network we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.
* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover
Δ Not all insurers will offer quotes for all occupations
Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.
insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service
Once completed the team will match you up with a range of leading Australian Insurers
Insurers used by Insure Tradies include
Our partners have consented to the use of these logos
As part of the Steadfast network we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.
* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover
Δ Not all insurers will offer quotes for all occupations
Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.
insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service
Public Liability Insurance quotes for Carpenter from $525 pa $5 Million Cover. $5 million, $10 million and $20 million dollars cover options. Australia wide coverage.
Once completed the team will match you up with a range of leading Australian Insurers
Public Liability Insurance quotes for Painters
Insurers used by Insure Tradies include
Our partners have consented to the use of these logos
As part of the Steadfast network, we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.
* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover
Δ Not all insurers will offer quotes for all occupations
Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.
insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service
Public Liability Insurance is for claims made against your business because its damaged someone’s property or accidentally injured a person. You will need it if your business goes out to see clients or they visit you, or you sell products that may also result in property damage or injury to a third party.
As part of the Steadfast network, we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.
* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover
Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.
insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service
Please note some insurers may do not cover any liability for Personal Injury, Property Damage and/or Advertising Injury arising out of the failure to comply with Australian Standard 1674.1-1997 “Safety in welding and allied processes – fire precautions” as amended or replaced, when You or anyone on Your behalf is to carry out, is carrying out, or has carried out welding, thermal or oxygen cutting or heating or any other heat or spark producing operations. (all exclusions will be listed with the quotes)
Call us or complete the request below
Once completed the team will match you up with a range of leading Boilermakers Insurers
Insurers used by Insure Tradies include
Our partners have consented to the use of these logos
As part of the Steadfast network we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.
* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover
Δ Not all insurers will offer quotes for all occupations
Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.
insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service
Our partners have consented to the use of these logos
As part of the Steadfast network we are part of the biggest network of insurance brokers in Australia and New Zealand and have partnerships with over 150 insurance providers locally and internationally. Which means we can find what’s right for you: from general business insurance cover to the most niche products.
* Instalment options for your tradies insurance, will be offered by a third party finance company
± Price will depend on cover required, your occupation, experience, postcode and turnover
Δ Not all insurers will offer quotes for all occupations
Any advice that may have been given is general advice only, please be aware that we have not taken into consideration your needs, objectives or financial requirements. Before deciding to purchase a financial product you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs.
insuretradies.com.au operated by Insure 247 Pty Ltd ACN 612944215 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 AFSL 238433. If you a make purchase from insuretradies Referal Partners Insure247 Pty Ltd will be paid a fee the amount of which will vary according to the term of service
