Public Liability Insurance for Trades

— Of all the insurance solutions offered by imar, Tradies Public Liability Insurance is arguably the most essential. It protects you and your business against the liability for costs in the event of bodily injury or damage to property that occurs to a third party due to your negligence.

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Claims from a third party for personal injury

Claims from a third party for damage to property

Legal and defence costs

What is Public Liability Insurance?


Public liability insurance is one of the most common types of insurance a tradie will take out as it will protect you if damage is caused to someone else’s property or if there is an injury to a third party while working on a job site. While it is not a legal requirement it is often a contractual requirement and can provide financial support if a third party makes a claim against you.

A Third Party can be:

  • the general public (such as someone lawfully visiting your premises or worksite)
  • your customers, their property and their possessions
  • suppliers and contractors

The costs of a potential claim against you from a third party could be crippling to your finances and your business. This is why public liability is often a contract requirement in many industries and a prerequisite for providing services to customers.

How much does Public Liability Insurance Cost?

Public liability insurance cost can be as little as $40 for a carpenter sole trader. Your occupation, number of employees and turnover can affect the amount you pay for public liability insurance.

Our experienced tradie team can help put the right level of cover in place for you. We offer a choice of indemnity options for 5, 10 or 20 million dollars.

Premiums are tax deductible as a business expense and you also have the option to pay premiums monthly at no additional cost.  We’ll work hard to offer competitive premiums that will help you save year after year.

Download our policy document for a full list of defined events and details of exclusions and sub-limits that may apply.  The imar Tradies Public Liability Insurance product is subject to the policy terms and conditions.

Custom built cover

We understand that each business is unique and we can tailor insurance solutions to your business as we source from a range of insurers.

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