PUBLIC LIABILITY INSURANCE FOR Handyman

Handyman Public Liability Insurance

Do Handyman need Public Liability Insurance?

Yes, handymen in Australia may need public liability insurance. Public liability insurance provides coverage for any third-party claims for property damage, personal injury, or other losses that may arise as a result of the handyman’s work. This type of insurance is important for handymen, as they work with a variety of tools and equipment that could cause harm or damage if not properly handled.

In addition, some Australian states and territories require handymen to have public liability insurance in order to obtain or maintain their trade license. Even if it’s not required by law, having public liability insurance is still a wise investment for handymen to protect themselves and their businesses from unexpected and potentially costly claims.

It’s important for handymen to assess their level of risk and determine whether public liability insurance is necessary for their particular business. The level of risk may vary depending on the type of work they perform, the size of their business, and other factors.

We make it easy to get a Public Liability quote, get started below.

Why do Handyman need Public Liability insurance?

Here are five reasons why handymen may need public liability insurance in Australia:

1. Protection against third-party claims: Public liability insurance provides coverage for any third-party claims for property damage, personal injury, or other losses that may arise as a result of the handyman’s work. This is important because handymen work with a variety of tools and equipment that could potentially cause harm or damage if not properly handled.

2. Legal compliance: Some Australian states and territories require handymen to have public liability insurance in order to obtain or maintain their trade license. Even if it’s not required by law, having public liability insurance can help handymen comply with industry standards and best practices.

3. Peace of mind: Having public liability insurance can give handymen peace of mind knowing that they are protected in the event of an unexpected claim. This can allow them to focus on their work without worrying about the financial impact of a potential claim.

 

4. Protection of business assets: If a handyman is held liable for damages or losses as a result of their work, they may be required to pay compensation or legal costs. Without public liability insurance, this could result in the loss of business assets or even bankruptcy.

5. Competitive advantage: Having public liability insurance can be a competitive advantage for handymen when bidding for jobs or seeking clients. Many customers and businesses require proof of insurance before hiring a handyman, so having public liability insurance can help handymen win more contracts and grow their business.

Compare handyman public liability quotes

handyman PUBLIC liability Insurers compared

Compare Quotes for Handyman Public Liability Insurance

Public Liability Comparison helps Handyman find cheaper public liability quotes by comparing Australia’s top insurers. Compare quotes for Handyman in Vic & Melbourne, NSW & Sydney, SA & Adelaide, ACT & Canberra WA & Perth and throughout rural Australia.

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Here are some insurances that apply to most businesses.

Legal liability for injury or damage arising from your business or products.
 
Your portable business equipment - such as tools for a tradie.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.

Protects premises from covered events such as theft, fire,  or natural disasters.





Loss of business income and increased expenses following a Fire & Perils loss
The maximum amount covered for the loss of a business's gross profit due to an interruption caused by an insured event.
The specified time frame during which a policy provides coverage for losses following an insured event.

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.





Theft of property following forcible/violent entry to the premises

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
Coverage that protects against the loss or damage of perishable goods, such as food or pharmaceuticals, due to breakdown or failure of refrigeration or cooling systems.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.


Can protect a business and its assets from financial loss due to unexpected
events, accidents, or liabilities that occur to goods whilst in transit.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.

Can protect businesses against financial loss due to damage
or liability resulting from the use of commercial vehicles.
Vehicle Details
Cover Type


The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.


About the Vehicle












Insurance Specialty Covers - this applies to some businesses.

Some businesses require additional Insurance coverage. Please indicate below if you would like to know more information on any of these specialty Insurance Products.
Cover for Mobile Plant and Machinery and liability from their use
Machinery Details
Cover Type

* Agreed value option requires a licensed valuers written assessment of value of Machine

Sum Insured should be the Market Value of the machine and include the value of attachments and accessories or separately list and declare.
About the Machine/Equipment





Use of Machine/Equipment

Are any of your machines used or expected to be used:

Yes No



Can help mitigate financial losses resulting from cyber attacks,
data breaches, and other cyber-related risks.
Protects businesses and professionals from
loss due to professional negligence.
Protects businesses and managers for
employment actions, statutory obligations + others.
Can protect a business from financial losses due to
customers' inability to pay for goods or services on credit terms.
Costs of recalling/replacing products incl expert advice and brand management.
Protects builders/contractors from losses due to construction damage.
Protects businesses from from unexpected financial
losses whist employees are travelling.
Aircraft and/or liability associated with aircraft, airports or hangers
Commercial vessels and liability
Liability whilst repairing or working on vessels
Loss of income and expenses due to weather/non-appearance of performers
Legal expenses to defend patent, trademark or copyright
Protection for people who are injured whilst doing voluntary work
Your liability for injury to employees
Loss of income if you are unable to work following illness or injury
Personal Accident Required Information

Personal Accident provides cover for accidents only. Personal Accident & Sickness will include Sickness also. Please note this does not extend to any pre-existing conditions.



Receive payments monthly or annually at claim time.

Period between when the claim occurs and when you will begin to receive payment.

In the event of a claim, how long will you receive payment.


Amount per week you would like to receive in the event of a claim. (Must be a true reflection of your earnings)

The lump sum that a policy can pay you if you suffer a permanent injury that leaves you unable to work. This is an additional payment to your weekly sum insured.


Declaration and Duty of Disclosure

When you apply for an insurance policy, or renew or extend your existing policy, you have to tell the insurer everything about you and your situation that is relevant or could reasonably be expected to be relevant to the insurer’s decision to insure you. You don’t need to disclose something you don’t know, that reduces the insurer’s risk, that is common knowledge, that the insurer knows or ought to know, or something that’s not relevant or the insurer has told you that you don’t need to disclose. With insurance, honesty is the best policy.


Disclosure Questions

If you answer 'Yes' to any of the questions, please enter full details below. 
Yes No


Claim Details





 
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Why public Liability Comparison

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  • We’re real people, in Australia that provide you with only reputable public liability quotes that you can rely on.

  • We do the hard work for handymen by comparing public liability quotes from multiple insurers for their insurance.

  • We manage the entire claim. We work for you, not the insurer – to get you the outcome you deserve.

DON'T JUST TAKE OUR WORD FOR IT

Publicliabilitycomparison.com.au by Insure 247 Ausure Insurance Brokers Pty Ltd T/as Insure 247 Authorised Representative of Ausure Pty Ltd AFSL 238433. 
General Advice Warning: Please be aware that any advice that may have been given or implied is general advice only. We have not taken into consideration your individual needs, objectives or financial requirements. Before deciding to purchase a financial product, you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs. 

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