Public Liability for Qld Tradesmen

July 11, 2012

qld public liability insuranceTradesmen working in Queensland will require a range of insurance types, and one of the most popular is public liability insurance.

Qld has experienced a building boom during the last decade, and even further back than that.  It has of course taken a hit since the Global Financial Crisis, but there is still plenty of work out there for hardworking tradies.

Due to a large proportion of tradesmen being self-employed, many are required either by law or by the building companies to hold certain forms of insurance, including public liability cover.

Public Liability for Carpenters

Chippies are the lifeblood of the building industry.  Of course there are plenty of trades in the building and construction industry, but carpenters make up a very large chunk of them.

With many carpenters working as subcontractors on building sites, there is considerable demand for public liability insurance in Qld among this group of workers.

There are no government requirements or laws that state carpenters must have public liability cover in place, however most large building sites will have their own requirements for all self-employed carpenters.

Public Liability for Electricians

Electricians here in Qld are subject to addition requirements when it comes to public liability insurance.

In order to renew or apply for an electrical contractors licence in Qld, an electrician must have a public liability policy of at least $5 million, along with consumer protection insurance of no less than $50,000.

Not all insurance companies can issue policies which meet the Qld electrical contractors insurance requirements, so you may need to shop around for one that does.  Alternatively you can use a tradesman insurance broker who will know straight away who to use.

Public Liability for Plumbers

As with carpenters, the requirement for plumbers to hold public liability cover in Qld has more to do with the building companies and worksites, rather than anything set by the state government.

Regardless of whether or not public liability is mandatory for you as a plumber, it’s still a very good idea to hold this cover.  There are few other policies which offer the same level of protection for such a low price.

Quotes for Tradesman Insurance

If you’re a tradesman in Qld and want to know more about your insurance requirements, or simply want to get a quote on your insurance, there are a few options available to you.

There are a number of insurance brokers operating in Qld that specialise in tradesman insurance.  You can find them by simply searching Google.

A good tradesman insurance broker or advice will be able to help you with not only your public liability cover, but also with other forms of trade insurance such as tool insurance and income protection.