Public Liability Insurance
Public liability is the cover builders and principals insist on before you set foot on site: it responds when your work injures someone or damages property that is not yours. Construction Cover arranges public liability for builders, contractors and trades, at the $5m, $10m or $20m limits your sites actually require, placed across 20+ insurers by a specialist broker who calls you back.
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What public liability insurance covers
Third-Party Injury
If a member of the public, a client or another worker is injured because of your work or on your site, public liability responds to the claim and the compensation. This is the exposure that can dwarf a year of premiums in a single incident.
Property Damage
Damage you cause to property that is not yours, a neighbour's building, a client's finished home, services you strike, is what public liability is built for. On a construction site these claims are common and can be large.
Completed-Works Claims
Many claims surface after you have left the job, a fire traced to your wiring, a leak behind a wall. Public liability arranged correctly responds to third-party claims that arise from work you have already finished, subject to your policy.
Legal Costs & Defence
Even a claim that is ultimately not your fault costs money to defend. Public liability covers the legal and defence costs of responding to a claim, not just the payout.
The Right Limit ($5m / $10m / $20m)
Builders and principal contractors set the limit you must hold, commonly $10m or $20m on commercial sites, $5m on smaller residential work. We check your contracts and arrange the limit your jobs actually require, with certificates of currency on request.
Reviews are for Stonewell Insurance Brokers, the brokerage behind Construction Cover. Authorised Representative of McLardy McShane Partners Pty Ltd (AFSL 232987).
Ready to get public liability covered?
Tell us about your business — about 60 seconds — and a specialist broker calls you back with options.
Construction Cover is a brand of Stonewell Insurance Pty Ltd (ABN 23 645 965 699), Corporate Authorised Representative No. 1285612 of McLardy McShane Partners Pty Ltd (ABN 14 064 465 309, AFSL 232987).