Public & Products Liability Insurance

How much you'll pay for your Public & Products Liability Insurance depends on a few key factors - we've listed a few below.

Your occupation

Different trades carry a different level of risk. A plumber working with gas has different, usually higher, risks to a carpenter. Due to these increased risks, the plumber will typically pay more than a carpenter for their Public Liability Insurance.

The number of employees

The number of employees in the business will also impact the price of a tradies public liability insurance. Obviously, more people on the tools means more potential for things to go wrong - and that increases the cost of covering those risks.

The amount of coverage

Another factor affecting the premium that you pay is the amount you choose to be covered for. You can choose between $5 mil, $10 mil, or $20 mil of Public & Products Liability coverage. Of course, if you choose $10 million of cover rather than $20 million, you are going to pay less. Even a brickie could figure that out ;)

Most tradies in Australia need between $5 million and $20 million in public liability cover. $5 million suits smaller domestic jobs; $10 million is standard for subcontractors; and $20 million is typically required for larger jobs, government projects and commercial sites. VIZ Insurance offers all three limit options.

VIZ Tradies Insurance includes Public & Products Liability Insurance, which can cover you or your employees accidentally causing property damage or personal injury to a third party.

VIZ understands that Tradies are often multiskilled and that some tradies perform activities that that could fit within a second business activity. On your VIZ policy, you can get covered for up to three occupations - e.g. handyman, landscaper and renovator, or maybe electrician and cleaner (if you happened to be the first ever electrician to pick up a broom).

Public liability insurance for tradies protects you if a third party — such as a client, member of the public, or another contractor on site — is injured or has their property damaged as a result of your work. It covers legal defence costs and compensation payments, up to your chosen coverage limit. VIZ Insurance offers up to $20 million in public liability cover.

Public liability covers claims arising from your work activities — for example, a client tripping over your equipment. Products liability covers claims arising from products or materials you supply as part of your work — for example, a fitting you installed that fails and causes damage. VIZ Insurance includes both public and products liability in a single cover.

Yes. VIZ Insurance Public and Products Liability includes cover for claims arising from completed work (completed operations liability). This means that if your work later causes injury or property damage, your policy may respond to the resulting claim. However, cover is subject to policy terms, conditions, and exclusions — including limitations around faulty workmanship and the cost of rectifying your own work.

With VIZ Insurance you receive your Certificate of Currency instantly after purchasing your policy. You can download it anytime through the VIZ Tradie Pass — Australia's first digital wallet insurance card — directly from your phone, without needing to call or email. Your certificate is also emailed to you when your policy is issued.