Every day, thousands of tradies across Australia head to job sites with one goal: get the work done right. But even the best tradies can have accidents. A spilled bucket of paint, a ladder knocking into a window, or a client tripping over your tools — these things happen fast, and the costs can be huge.
That’s where public liability insurance comes in.
What is public liability insurance?
Public liability insurance protects you if your work accidentally causes injury or damage to someone else’s property. For tradies, it’s not a “nice to have” — it’s essential. Whether you’re a sole trader, contractor, or running a small team, it can cover compensation costs, legal fees, and damages that could otherwise put you out of business.
Why tradies need it most
- High-risk environments: Job sites are busy, with power tools, ladders, and heavy machinery.
- Client interactions: You’re often working in people’s homes or businesses — mistakes can lead to expensive claims.
- Licence requirements: In many states, public liability insurance is mandatory for trade licences.
Real-world example
Imagine you’re an electrician working in a client’s home. You accidentally damage their switchboard, leaving them without power for days. Without insurance, you’d be paying thousands from your own pocket. With public liability cover, the insurer takes the hit, not you.
Getting covered
The smartest move is to partner with a broker who understands tradies. For tradies across Australia, ProTrades Insurance offers tailored public liability insurance with same-day certificates and affordable options.
Protect your reputation, your business, and your future.
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