Electricians who visit Queensland for jobs know that they must comply with Public Liability Insurance requirements specific to that state, and for plumbers travelling in and out of Victoria for work, it’s the same deal. read more
Information About Public Liability Insurance For Tradies
If you’re a tradesman on a jobsite and someone is accidentally electrocuted or they trip over your gear and sustain an injury, there are two things you need:1) Public liability insurance; and
2) Enough public liability insurance cover for the full extent of the claims made against you.
All tradesmen and sub-contractors on a jobsite need to carry public liability insurance to protect themselves against professional and personal financial ruin.
While the industry minimum standard for public liability insurance cover is for $5 million, there is growing demand for $10 million public liability insurance policies.
The good news is that Tradesure’s public liability insurance premiums are affordable and the premium may be paid monthly at no extra cost.
The sole purpose of tradesman’s public liability insurance is to protect the tradesman or sub-contractor against financial claims in the event of damage to a property or injury to people, other than employees, that have been caused by the tradesman or a member of the tradesman’s staff.
It is important to note that a contractor’s public liability insurance policy may not cover sub-contractors who may have been engaged for a job. Even if the main contractor’s public liability insurance responds in the event of a claim for which the sub-contractor is liable, the contractor’s insurer may not recover the claim amount from the sub-contractor.
Sub-contractors are deemed to be self-employed, and employers should always check that sub-contractors have their own current and adequate public liability insurance before allowing them to enter a job site.
When it comes to engaging labour hire workers, there are additional important issues that must be considered. The key is to advise your public liability insurer when you engage labour hire staff so that proper provision may be made in the policy for them.
If you are an electrician and you travel with your work, it is important to check that your public liability insurance complies with the requirements of your State Electrical Contractors Association as these conditions can vary from state to state.
To find our more about public liability and to obtain a public liability insurance quote specifically for tradesmen, please contact Tradesure.
*Always refer to your Product Disclosure Statement for complete details.
