Legal Liability Insurance
Fast and flexible coverage options including tradies' Public Liability Insurance and Products Liability Insurance.
What is Legal Liability Insurance?
Legal Liability Insurance is an insurance package for Australian tradies that includes Public Liability Insurance and Products Liability Insurance.
Protection from Events at Work
Tradies Public Liability Insurance
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Protection for damage caused by your products
Tradies Product Liability Insurance
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And finally... Audit Insurance
Audit Insurance is designed to cover costs such as accountant fees incurred from an audit by the Australian Taxation Office (ATO). Having audit insurance can allow you to go without the worry and compromised cash flow from paying unexpected fees in responding to an audit.
THE FINAL TOUCH
Audit Insurance
WHY YOU NEED IT
The ATO can audit any taxpaying entity at their discretion, regardless of suspicion, fault or evidence.
If you are conducting large amount of business, it is a safe bet to cover yourself with audit insurance, so that if the ATO comes knocking, you know VIZ has got your back.
WHY YOU MIGHT NOT
If you are a smaller business, it might not make sense to get Audit Insurance, since the likelihood of an audit is quite low and paying the premium might not be worth it.
Have any questions?
We're here to help.
What could the price look like for me?
We have given you a few examples here so you can get the gist of how much value we can provide you with.
POLICIES
Policy Examples
Please note: these people mentioned below are fictional for privacy purposes. The prices, however, are correct 😊. UPDATED 20/1/25 12:45 PM
Meet Jack
Jack, a solo lawn mower from Campbelltown, got $5 million Legal Liability Insurance to manage the risk of damaging clients’ property. He decided to skip tools insurance since he only has one mower. His Legal Liability coverage costs about $31 per month.
Meet Sam
Sam from Toowoomba runs a lawn mowing business, and has tools like whipper snippers, mowers, and blowers, as well as his $2,000 trailer. He opted for $5 million Legal Liability Cover, and the $5,000 of cover for his Tools Insurance, as well as adding and specifying his trailer in his policy. For this coverage, Sam pays about $68 monthly (including Qld state stamp duty fees).
Meet Tom
Tom, a landscaper from Bendigo, runs a business with one employee and has equipment such as a power auger, wheelbarrows and other less expensive tools; and his $3,500 trailer. He chose $10 million Legal Liability cover, $5,000 Tools Insurance, and added his trailer by specifying it in his policy. For $10 million of Legal Liability and $8,500 of tools cover, Ted pays about $82 monthly.
Meet Jack
Jack, a solo lawn mower from Campbelltown, got $5 million Legal Liability Insurance to manage the risk of damaging clients’ property. He decided to skip tools insurance since he only has one mower. His Legal Liability coverage costs about $31 per month.
Meet Sam
Sam from Toowoomba runs a lawn mowing business, and has tools like whipper snippers, mowers, and blowers, as well as his $2,000 trailer. He opted for $5 million Legal Liability Cover, and the $5,000 of cover for his Tools Insurance, as well as adding and specifying his trailer in his policy. For this coverage, Sam pays about $68 monthly (including Qld state stamp duty fees).
Meet Tom
Tom, a landscaper from Bendigo, runs a business with one employee and has equipment such as a power auger, wheelbarrows and other less expensive tools; and his $3,500 trailer. He chose $10 million Legal Liability cover, $5,000 Tools Insurance, and added his trailer by specifying it in his policy. For $10 million of Legal Liability and $8,500 of tools cover, Ted pays about $82 monthly.
Want to see what we can do for you?
Jack, Sam and Ted are just (imaginary) examples of policies. The fact is, every tradies' policy will be different. Want to build your own policy and see how we could help you?
Have any more questions?
We're always here to help.
*all data is based upon a sample of VIZ Insurance customers over the last three years