Why your business needs Public liability insurance

February 15, 2022
Small Business
Public Liability Insurance

If you work in the trade industry, you need to consider public liability insurance.   It is one of the essential forms of insurance cover for tradies and small business providing cover in the event of bodly injury or damage to property that occurs to a third party due to your negligence.

Who is typically covered?

Public liability insurance covers the business, company directors, business partners and employees.

It is quite common for a public liability policy not to cover sub-contractors. At imar, we know subbies are often essential to getting the job done.  With imar it’s good to know, your subbies are covered for injury on the job and also for vicarious liability to assist you if you’re drawn into legal action due to the negligence of a subcontractor.

How much public liability insurance cover do I need?

The amount of public liability insurance you need depends on the business size and activities. It’s important to know what your total public liability amount of cover is and ensure your business needs are properly assessed

Being sued for negligence can be extremely costly.  Should a claim against you arise, public liability may assist with the costs.

 Public Liability Claims Examples

Claims can be costly and have an impact not only your finances but your company’s reputation.  Consider the scenario of a personal injury claim where you accidentally caused injury to a third-party.  This can have a massive impact on your business and it is something no small business owner wants to be faced with.

Even if you think you have all the safety measures in place, third-parties can still experience slips, trips and falls around work sites. If a member of the public or another tradie on site trips over a lose power cord, falls and injures themselves, you may be faced with a public liability insurance claim .

If you are a tradie on a job site working with different tools, accident and incidents can unfortunately occur.  Imagine if you are working on a renovation and accidentally drop your tools on the paving, causing a crack and the home owner holds you responsible for the damage.

How can we help?

The team at imar are available to offer assistance.  Our team of experts can help you in a variety of ways with Product information and benefits suitable for you and your business

imar has provided insurance cover for tradies, builders, and small businesses for more than 35 years. We make sure each customer has the cover they need at a competitive price.

Contact us today by calling 13 IMAR (13 46 27) or by filling out our online form and we will to discuss the suitability of your current cover or provide insurance solutions for your growing business.


To the extent that any material in this document may be considered advice, it does not take into account your objectives, needs or financial situation. You should consider whether the advice is appropriate for you and review any relevant Product Disclosure Statement and policy wording before taking out an insurance policy.


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