Public Liability Insurance Cost Australia

Public liability insurance cost for Australian self -employed contractors, sole traders and small business owners*

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How much does public liability insurance cost?

Key factors in determining how much your public liability insurance will cost your business include :

  1. The nature and scope of your business
  2. Your business turnover and size
  3. Amount of insurance cover your business needs

Public Liability Insurance Cost Price Guide

How much does $5 million Public Liability Insurance cost self-employed office based sole traders?

eg. consultants and contractors

$5 million public liability insurance cost starts from $460 annually or $40 per month for office based self employed occupations with no previous claims*

How much does $5 million Public Liability Insurance cost self-employed tradies?

$5 million Public Liability Insurance cost for some low risk self-employed tradies, such as painters, starts from around $550 annually* or $50 per month, provided no previous claims.


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

Public Liability Insurance Cost Examples

Below is a table of popular tradesman occupations and the approximate starting cost for $5 million dollars Public Liability Insurance cost for the tradie occupation for a sole trader, or self-employed contractor, with no previous claims.

  • Plumbers from $950*
  • Landscape and Gardener Insurance from $560*
  • Carpenter Insurance from $850*
  • Electrician insurance from $750*
  • Handyman Insurance from $750*
  • Labourers Insurance from $760*
  • Insurance for Painters and Decorators from $560*
  • Insurance for Bricklayers from $750*
  • Insurance for Concreters from $970*
  • Insurance for Tilers from $750*
  • Insurance for Plasterers from $640*
  • Insurance for Glaziers from $560*
  • Insurance for Lawn Mowers from $550*
  • Insurance for Flooring Installers from $750*

For tradies that:

  • Undertake broader building work
  • Have employees,
  • are looking for costs and quotes on other covers you may need; such as product liability, business insurance pack, general property, commercial motor, or any of those above:

*Please note:
The above price is indicative only and pricing may vary significantly from the above based on your size, clients, experience and specific trade business activities. Individual underwriting criteria will apply. While you may just want a quick idea of how much public liability insurance is going to cost it is important to ensure the policy covers you for the full business activities you undertake and the policy and company will respond as intended when there is a claim; so we strongly recommend you call your broker on 1300 670 250.

We serve all contractors, consultants and companies all over Australia*

List of states and territories in Australia we can help all contractors, consultants and firms find the insurance cover they need:

  • New South Wales (NSW)
  • Queensland (QLD)
  • Victoria (VIC)
  • Western Australia (WA)
  • South Australia (SA)
  • Tasmania (TAS)
  • ACT and NT

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We are business insurance brokers
What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.

Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.