Queensland
Public liability insurance for Queensland tradies.
Talk to Brisbane-based brokers about public liability insurance for your Queensland trade business. It can help protect your business against the costs of a third-party claim for personal injury or property damage arising from your business activities.
Local brokers, based in Brisbane
Our team works from our office at 19 Rosedale St, Coopers Plains. Insurance for Trades is run by East West Insurance Brokers, an Australian, family owned-and-operated brokerage founded in 1984.
Our brokers don’t disappear after the paperwork is signed. We stick with you through claims, questions, audits and anything in between.
What is public liability insurance?
Public liability insurance can help protect your business against claims from customers or members of the public for personal injury or damage to their property arising from your business activities. It can also cover defence costs, including legal fees, and settlements for covered claims, subject to the policy’s terms, limits and exclusions.
For trade businesses, public liability is often arranged together with products liability, which can help protect your business against claims caused by items you manufacture, supply or install. Read more about public liability insurance for tradies.
Why Queensland trade businesses consider it
- You work in customers’ homes, businesses and on building sites
- Property can be damaged while you’re working
- Many jobs require you to show proof of public liability insurance before you start
- Contracts often require public liability insurance, and some set a minimum level of cover
- Subcontractors need their own insurance, and head contractors often ask for a certificate of currency
How public liability premiums are assessed
Underwriters consider a range of factors together, including:
- Turnover: the overall revenue your business generates
- Activities: the nature of your work and the risks that come with it
- Claims history: previous claims made by your business
- Years in operation: how long your business has been operating
- Number of employees: the size of your workforce, considered alongside the work they do
General information only. What a policy covers depends on its wording, limits and exclusions. A broker will review your business before recommending any cover.
FAQs
Common questions
Do I need public liability insurance in Queensland?
For a lot of jobs, you’ll be asked to show proof of public liability insurance, and contracts often require it. A broker can help you work out what applies to your business.
Does public liability insurance cover injuries to my employees?
No. Injuries to employees are covered by workers’ compensation. In Queensland, workers’ compensation insurance is provided by WorkCover Queensland.
What is a certificate of currency?
A certificate of currency is a document from your insurer confirming your policy is current and showing its key details. Head contractors and clients often ask for one before you start work.
How much public liability cover do I need?
It depends on the work you do, the risks involved and what your contracts or clients require. Some contracts set a minimum. A broker can help you work out a suitable level.
Can I meet with a broker in person?
Yes. We’re happy to come and meet you at your place of work, or you can visit us at our office at 19 Rosedale St, Coopers Plains QLD 4108. Call us on 1800 809 132 to arrange a time.
Talk to a Brisbane-based broker
Ask for a review of your existing insurance, or request a quote for new or changing cover.
Get started
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