Public Liability Insurance for Subcontractors

Public liability insurance for subcontractors may protect you from paying financial compensation that is ordered by a court when you are found liable for a claim for damages or injury.*

If you are a tradesperson working as a subcontractor for a builder or project manager, you may believe that you are covered by their insurance while conducting your work. This is not necessarily the case, however, and in many cases, you may need to have your own public liability insurance policy in place (unless your employer has a policy that specifically has a condition that covers you). In general, subcontractors are regarded as being separate businesses that require their own public liability cover.

Public liability insurance is designed to protect you in situations where your actions at work result in damage to property of, or injury to, another person, and you are found to be legally responsible because of negligence on your part.

Public liability insurance for subcontractors may protect you from paying financial compensation that is ordered by a court when you are found liable for a claim for damages or injury. This type of insurance coverage may also pay your costs for legal representation when defending yourself against such claims.

Due to the nature of work that you do as a subcontractor, accidents can happen no matter how careful you are and without adequate insurance, you could be looking at a significant cost that could result in business or personal bankruptcy. Therefore, you need to have public liability insurance as a subcontractor.

When you work as a subcontractor, even if you only have one client (or employer), you are nonetheless regarded as a small business and thus responsible for your insurance. In many cases, employers will require you to have public liability insurance before they allow you to commence work.

Public liability insurance for subcontractors gives you peace of mind knowing that if an accident occurs that causes damage to property or personal injury to a member of the public for which you are found liable because of your work activities, you may be financially protected from the costs of legal representation and any compensation that is ordered by the court.

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What does public liability insurance cover for a subcontractor?*

Public liability insurance in Australia typically provides self-employed subcontractors cover for:

Third-party injury to other persons – Where your subcontractors business activities causes harm to others
Third-party damage to others property – Where your subcontractors business activities causes damages to others property
Product liability – Where your subcontractors business products and goods supplied causes harm to others

How much is Public Liability Insurance for a Subcontractor?*

Public Liability Insurance cost for a subcontractor will depend on various factors including the size of your business, the type of work you do and the types of clients you service.

For subcontractors that:

Work on Commercial Building Sites

Have Employees

Work for councils or government departments and require 20 mil liability costs will be higher.

*Important : the above is a guide only; pricing may vary significantly from the above based on your size, clients, experience and gardening business activities.