Why Public Liability Insurance is Non-Negotiable for VIC Tradies

If you’re a tradie in Victoria, public liability insurance isn’t just a nice-to-have — it’s a must-have.

Whether you’re a carpenter, plumber, or electrician, working on-site means you’re exposed to constant risk. One mistake, one accident, one broken window — and you could be liable for thousands in damages. That’s where public liability insurance steps in.

What is Public Liability Insurance?

Public liability insurance protects you if your work causes:

• Injury to a third party (like a client or bystander)
• Damage to someone’s property
• Legal fees in case of a claim

Without it, you’re not just putting your tools on the line — you’re putting your business and personal assets at risk.

Real-World Scenarios for VIC Tradies

• Sparking trouble: An electrician accidentally causes a short that damages a client’s switchboard. That’s a $4,000+ repair — out of pocket without insurance.
• Ladder incident: A painter’s ladder topples and dents a customer’s car. Insurance steps in to cover the cost.
• Tripping hazard: A plumber leaves tools out, and someone trips. A lawsuit could be in the five-figure range.

Is Public Liability Required by Law?

It’s not legally required in all cases — but many job sites, builders, and clients won’t hire you without it.
They want to see proof of cover. No insurance = no work.

Choosing the Right Cover

• Look for policies that match your trade and risk level
• Ensure your sums insured are enough — often $5 million, $10 million, or even $20 million
• Avoid underinsurance traps (e.g., tool damage doesn’t count as public liability)

Get Covered Before You Get Caught

ProTrades Insurance offers public liability insurance tailored for Victorian tradies.
You’ll get fast quotes, Aussie support, and real industry knowledge.

👉 Learn more about public liability insurance in Melbourne