Public Liability Insurance is one of the most important protections for tradies. It covers your business if your work causes:

• Injury to a third party, such as a client, subcontractor, or member of the public
• Damage to property, for example, scratching a client’s floor, breaking a window, or damaging underground services
• Legal defence costs if someone alleges you were negligent or caused harm

Injury to subcontractors can be a complex area. Some policies provide limited or no coverage for these claims, while others may have very high excesses. If you work with subcontractors, it is essential to understand how your policy responds so you are not caught out in the event of a claim.

Public Liability Insurance is often required to work on construction sites or under a building licence, and is frequently requested by principal contractors or clients before you start work.

Contact us to ensure your Public Liability policy is set up correctly for your work and operations.