Most tradies will need public liability cover as it protects you against unforeseen circumstances which can easily happen in your day to day work. A lot of trades will find that you can’t enter certain work-sites or obtain employment as a subcontractor unless there is Public Liability Insurance in place.

Public Liability Insurance will cover you financially if you’re found liable following a claim for injury to another person or damage to property which has occurred as a result of your actions at work. The costs involved with a claim could include legal costs, medical bills, rehabilitation costs, repair and replacements and much more.

The cost of your Public Liability Insurance will depend on a number of things including the type of work you do, the risks involved in your work, the size of your business and number of employees, and how much you will be insured for. If the trade activity is considered high risk, the premium costs will be higher in comparison to the trades considered low risk we work with various insurers to get you the best price.

Self-employed tradesmen, sole traders and sub-contractors are responsible for their own actions on the site of work, they are themselves liable for any financial claim arising out of damage caused to property or injury to person. It is considered so vital for a tradesman who is a sole trader, self-employed or working as sub-contractor to take out public liability insurance.

Structural Defect

Any defect in the structural works which affects the stability or strength of the building or any part thereof and is attributable to defective design, defective or faulty workmanship and/or defective materials and which;
1. Results in a regulatory authority closing or prohibiting the use of the building or any part thereof.
2. Does or would prevent the continued practical use of the building or any part thereof.
3. Results in destruction of the building or physical damage to the building or any part thereof.
4. Results in threat of imminent collapse that may reasonably be considered to cause destruction of the building or physical damage to the building or any part thereof.

Structural Works

1. All internal and/or external load – bearing structures essential to the stability or strength of the building or any part thereof, including, but not limited to foundations, floors, walls, roofs, columns and beams.
Yes. Your tools are your are a must, without them and it would be very difficult to complete a contract on time with good workmanship. It is important to cover your tools with insurance, eliminating the risk of losing them and affecting your livelihood.

Tool Cover is there to cover you in the event of your tools being stolen or damaged, it generally can be included as part of your public liability policy at minimal cost. If you make a list of your tools and what it would cost to replace them, you’re able to see what level of cover to take out. Other types of insurance you may require include:
– Motor
– Trailer
– Business Pack