Home Builders Insurance

Facebook | Builders Insurance Twitter | Builders Insurance LinkedIn | Builders Insurance Google+ | Builders Insurance

Public Liability Insurance for Builders

Builders Insurance

Posted: 2012 August 30

Builders in Australia are can benefit from a range of insurance types. Some are mandatory, whilst others are simply a good form of protection.

One of the most common forms of business insurance for a builder is public liability.

What Does It Cover?

Public liability insurance covers builders for property damage and personal injury that they cause to other people through negligence in their business activities.

If your business activities result in property damage or personal injury to another person, and you are deemed to be responsible, you could be liable for substantial costs.

The costs involved in a claim for a builder can range from as little as a few hundred dollars for minor property damage, through to hundreds of thousands of dollars (or even millions) for a claim involving serious personal injury or death.

By having the right builders public liability insurance in place you can help to ensure that your company is not burdened by the costs of a claim due to negligence.

Subcontractors Insurance

Most builders know that their subcontractors must have their own public liability insurance.

As a builder, your public liability insurance will cover any employees that you have on wages, but it will not cover any subcontractors that you hire.

In the event of a claim involving a subcontractor there will often be a sharing of the responsibility between the builder and the subcontractor (especially when they are operating under your instructions) but ultimately both still need to have their own separate policies.

It is important for any builder using subcontractors to ensure that they each have their own suitable public liability policies in place.

Builder or Carpenter?

Although many people call themselves builders, when it comes to insurance there is an important difference between a licensed builder and a carpenter who builds things.

Carpenters who build decks, patios and other small constructions will often call themselves a builder, even though they are not a licensed builder.

There is no problem with that of course, but it is important to let the insurance company know if you are a carpenter rather than a licensed builder, as the cost of insurance for carpenters will be less than the cost of insurance for builders.

How Much Does It Cost?

The cost of public liability insurance for builders will depend on two main factors. This includes the type of building work that you are doing, and the size of your building business in terms of annual revenue and staff numbers.

Although your public liability will not cover your subcontractors, some insurance companies will also take into account the amount you pay to subcontractors when calculating your premiums.

Getting a Quote

Getting a quote on public liability insurance for builders is relatively easy. You can obtain quotes directly from the insurance companies, or you can utilise the services of an insurance broker.

Here at Builders Insurance we have access to a network of insurance brokers and advisers who can provide quotes and advice on a range of insurance types including public liability.

To obtain a quote on your builders insurance needs please complete our online quote request or call our office.



Start your quote...

Income Protection

Public Liability

Builder's Pack

What makes us better?

1. Lower Premiums

Our team will work hard to find the best deal on your insurance. If you can find a better deal elsewhere, we'll do our best to match it.

2. Less Hassle

Our online systems allow you to get your quotes faster and get your cover in place with the least amount of hassle.

3. Big & Strong

We only use strong and reputable insurers for your cover, giving you peace of mind knowing that you'll be looked after at claim time.

4. Expertise

We're the experts when it comes in insuring builders. It's what we do, and we do it well.

5. No Call Centres

You won't be dealing with a random person in a call centre each time you speak with us. Instead you will be assigned to a single adviser or broker (depending on your needs) who will look after you.


Public Liability Insurance
Income Protection Insurance
Life Insurance
TPD Insurance
Trauma Insurance
Tool Insurance
Builders Warranty Insurance
Owner Builder Insurance
Builders TPD & Trauma Insurance


Builders Blog
Builders Insurance Brokers
Builders Insurance Australia
Insurance for Builders
Builders Insurance
Builders Insurance Qld
What Insurance do Builders Require
Trauma Cover for Builders
Builders Public Liability Insurance


The Builders Insurance website contains general information only and does not consider your personal goals and objectives. You should not act upon any information without first seeking advice from a qualified insurance professional.

The information contained within this website is for your information only, and by completing our online enquiry form your details will be referred to a qualified and licensed professional.

By using this website you agree to the terms of use outlined via the link below:

Website Terms and Conditions of Use

Equita Financial Services Pty Ltd
ABN: 46 141 286 268

Suite 215
192 Ann St
Brisbane QLD 4000

This website is owned and operated by Equita Financial Services Pty Ltd (Equita).

Equita does not hold an AFSL and is not authorised to deal in financial products.