Are You a Tradie? Why You Cannot Step on a Job Site Without 'Public Liability Insurance'
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| Are You a Tradie? |
Being a "Tradie" (Tradesperson) in Australia is a lucrative career. Whether you are a sparkie (electrician), chippie (carpenter), or plumber, you build the nation.
But the nature of your work is high-risk. You work on other people's property, often with dangerous tools.
Imagine this: You drop a hammer and crack a client's $5,000 imported marble benchtop. Or worse, a client trips over your extension cord and breaks their hip.
Without Public Liability Insurance, you are personally liable for the damages and medical bills. This could bankrupt your small business instantly.
What Does Public Liability Cover?
It is designed to protect you from the financial cost of legal claims made by a third party (the public/clients) for:
- Property Damage: If you accidentally break or damage something that belongs to the client or a neighbor (e.g., water damage from a burst pipe you were fixing).
- Personal Injury: If someone (other than your employee) gets hurt because of your work activity (e.g., slipping on a wet floor you left).
- Legal Fees: The cost of hiring lawyers to defend you in court, which can often exceed the cost of the damage itself.
Why Do You Need It? (It's More Than Just Safety)
1. It is Often Mandatory for Licensing & Access
Most major construction sites and commercial clients in Australia will not let you on site unless you can show a "Certificate of Currency" (usually requiring $10 million to $20 million cover). Furthermore, for trades like plumbers and electricians in many states (e.g., VIC, NSW), holding valid insurance is a legal requirement just to renew your trade license.
2. Tax Deductible
Just like your tools, ute, and work boots, your insurance premiums are a 100% tax-deductible business expense. The ATO allows you to claim it, effectively lowering the cost of protection.
3. Professional Reputation
Having insurance signals to clients that you are a professional, responsible business owner. It distinguishes you from "cowboy" operators and builds trust immediately.
What about My Tools?
Note that Public Liability does NOT cover your own tools if they are stolen from your ute. That requires a separate "General Property" or "Portable Tools" add-on. Most insurers offer a "Tradie Pack" that bundles these together for a better deal.
Secure Your Business Future Today
Accidents happen, even to the most skilled tradies. A single slip-up without insurance can undo years of hard work.
Don't risk your livelihood for the sake of saving a few dollars a month. Get your Public Liability sorted today so you can focus on the job, not the potential lawsuits.
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