Public Liability Insurance

SHC offers the very backbone of comprehensive insurance coverage whilst doing your job. Don’t buy inferior policies. Join thousands of others and have peace of mind with SHC. If there are any possibilities where you could literally lose your house and other assets, its by not having or having an inferior Public Liability policy. Most Tradies just want one of these policies because their contractor tells them to have one, or you will not be paid without showing a Certifcate of Insurance. Truth is though, they ask for it for a reason – its extremely important for Tradies to be covered for Public Liability Insurance.

You need to purchase a policy that gives you the maximum coverage possible. Not all policies will offer all the required benefts. When it comes to claiming it pays to have sourced your policy through a broker like SHC. If you buy a policy direct with an insurer and there is a dispute concerning paying a claim for which you have suffered a loss, you will not have an expert backing you. And potentially you could be holding the bag – and have to pay out some pretty dizzy numbers.

What is Public Liability?

Public liability is part of the law of tort which focuses on civil wrongs. An applicant (the injured party) usually sues the respondent (the owner or occupier) under common law based on negligence and/or damages. Claims are usually successful when it can be shown that the owner/occupier was responsible for an injury, therefore they breached their duty of care. The duty of care is very complex, but in basic terms it is the standard by which one would expect to be treated whilst one is in the care of another. Once a breach of duty of care has been established, an action brought in a common law court would most likely be successful. Based on the injuries and the losses of the applicant the court would award a fnancial compensation package.

A simple example; a Roofing Carpenter does not fnish all his joists in a day and some are still left on site over night. The next door neighbour’s child comes over to the site block to play, trips and hits their head on a left over joist – Public Liability claim. Who is at fault? The Roofe or the truckie that left them there, or someone else? In any event, needless to say you’re going to need a very good lawyer and if the child is legally successful – a very big bank account – or insurance. Your call.

SHC can also offer;

Tradesman Public Liability Insurance Online Quote - Online application and payment – 2 minutes from go to O, and BINGO – you’re covered. No other broker in Australia can offer this fast and simple live application. And its cheaper than calling us....

Need fast and friendly service? We have a dedicated team waiting for your call. 1300 550 665