Public Liability For Tradesman How Important It Is

Public Liability Insurance is specifically designed to protect tradesmen and those in business to cover any cost in association with damage to property or personal injury on site as a result or cause of your activities. Instead of covering a claim out of your back pocket or risking your personal assets, public liability insurance policies will aid and protect you through the duration of claims made. 

In the event of other party injury or property damage, the sole purpose of public liability insurance is to protect tradesmen and subcontractors from upfront cost. Financial damages can be extremely expensive, so if claims are made against you from a client or from the public, liability insurance is vital. 

If you are found personally responsible or accountable for the damage to property or for personal injury to a third party, then you will be found liable for any financial losses in the way of medical bills, business loss, property repairs, and even the other parties’ legal costs. 

If you have directly or indirectly caused damage to the site you are working on or to someone you are working with you may be responsible for covering repair costs or medical costs. Insurance for Sole Traders in Australia through the assistance of Public Liability Insurance will help cover claims made against you. 

Public Liability For Tradesman – Accidents

You may be required to initially hold Public Liability Insurance before you even step foot on a site by legal obligation. As a self-employed subcontractor, sole trader or tradesmen you are responsible for your own actions when on a job site. It is because of this that if accidents occur whether to the property or site itself or to a third party due to negligence or direct action, you will be liable and will need liability insurance to cover you. Even if this is not the case, and holding a license for public liability insurance is not liable for you to work on a site, it is still of the utmost importance for the protection of the self-employed and tradesmen as well as the public and the client you are working with.

We all know that accidents happen, more often than not, especially on chaotic job sites. If someone has been accidentally injured or damage has been caused to the on-site property then public liability for tradesmen and sole traders is a must and will save a lot of money and stress in the long run. 

There is a wide range of trades that public liability insurance policies cover – some of which include:

  • Electricians
  • Plumbers
  • Gasfitters
  • Carpenters
  • Lawn Mowers
  • Brick Layers
  • Gardeners
  • Painters
  • Builders 
  • Cleaners
  • Tilers
  • Handymen

Off the bat, Public liability Insurance is extremely affordable and as proven incredibly cost-effective in the long term. You will have the peace of mind and confidence that you are covered no matter what happens on-site, allowing you to work without the unnecessary burden of additional stress. Even costs aside, this specific coverage will also, and regardless of the reasoning behind you obtaining this insurance, it will allow you to work with confidence and the ease that you will be looked after no matter what happens during your workday. 


At the end of the day, if you are a sole trader, self-employed, a subcontractor or a tradesman, working without public liability insurance is just not worth the risk! As these claims in some scenarios can run upwards of thousands if not millions of dollars in some cases, arming yourself and being prepared can be a lifesaver in the long run. Don’t take the chance of being one of those tradies that have wound up bankrupt because they didn’t want to spend as little as forty dollars per month. 

Being a sole trader, self-employed, a subcontractor or a tradesman can be a stressful career path just by nature. There are a lot of moving parts throughout the duration of your workday, so why not alleviate any possible additional stressors by covering yourself in case of emergency or possible accident by obtaining public liability insurance before you start your next job or project. Don’t let protecting yourself fall through the cracks and take care of yourself with essential coverage!

About the Guest Author

Eric Reyes is a passionate thought leader having been featured in 50 distinguished online and offline platforms. His passion and knowledge in Finance and Business made him a sought after contributor providing valuable insights to his readers. You can find him reading a book and discussing current events in his spare time.

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