Public Liability Insurance for Sole Traders

Why does Public Liability insurance matter for sole traders? 

In many cases Public Liability insurance matters simply because your clients or principal contractors require it. Most contracts, councils, and worksites won't let you start without proof of Liability Insurance cover. 

Public liability insurance can help protect you against damage to a third party’s property or injury to a third party due to Your and/or your employee’s negligence.  

What does Public Liability insurance cover? 

• Third-party injury: Someone trips over your tools or gets hurt during your work
• Property damage: You accidentally damage a client’s property
• Products liability: Something you installed or built causes damage or injury to a third party.
• Legal costs: Defense costs and settlement amounts

Not covered: Your own injury, damage to your tools/vehicle, loss of income, professional advice claims 

Who are the businesses that typically need it?

• All Trades including; Electricians, plumbers, carpenters, roofers, Painters, landscapers, cleaners, handymen
• Transport 

How much cover could be appropriate? 

You are able to select a coverage limit that best suits your business circumstances: Options between $5 million to $20 million. 

Note: Public Liability excludes cover for advice and design issues - more relevant for consultants than trades. Cover for these can be purchased under a Professional Indemnity insurance policy.  

How to get covered  

You can obtain your Public Liability insurance when you insure your truck within our Drive Pack Plus product that is specifically designed for trades.  

You'll need: 

• ABN and business details 
• Description of your work activities
• Annual turnover
• Preferred limit ($5M/$10M/$20M)

The process: 

• Get an online quote 24/7 (est. 5 minutes) via the website: truckassist.com.au
• Choose your coverage limit
• Make Payment (Annual or via instalments) 

Instant proof: Certificate available right away via your email. 

Why choose Truck Assist for trades? 

A range of cover options in one place: It’s built for trades:  

• Truck Insurance
• Roadside Assistance
• Public & Products Liability Insurance
• Tools of Trade insurance
• Goods in Transit Insurance (covers yours and the customers goods whilst in transit). 

Easy admin: Access your certificate of currency anytime through your online self-service account. 

Industry expertise: Our team knows the trade and transport industry back to front and has been working in the field for over 50 years.