Smart Business Insurance
Level 11, 484 St Kilda Road Melbourne, VIC3004
$ Phone: 1300 542 573

1300 542 573

TALK to a SMART Business Insurance adviser

Do Subcontractors need Insurance?*

Are you a sub-contractor looking for your own business insurance so that you can suitably covered?

Whether you work as a sub-contractor in the construction, communications, technology, administration or other industry you will need suitable insurance cover for your sub-contracting business activities.

As a contractor the minimum business insurance you will require is public liability. If you are a trade based subcontractor you may also require tools cover , marine transport, personal accident and commercial motor.

If you are sub-contractor in the marketing or i.t industries you may also require professional indemnity insurance.

What insurance should bona fide subcontractors carry?*

List of business insurance available for a subcontractor include:

  • Public Liability : to cover you against damage to a third person or their property
  • Tools : cover you for theft of your tools
  • Stock/marine Transit : if applicable to your business, this will cover you for loss or theft of stock
  • Personal Accident : cover for you and your family if you hurt yourself
  • Commercial Motor : cover for your vehicle which you use for work
  • Professional indemnity : generally cover for bona fide subcontractors that provide advice for a fee

The first three business insurances: public liability, tools, and stock may be able to bundled into a "business pack" for affordability and ease of managing.

Your enquiries will be handled quickly, efficiently and cost effectively.

What Does Subcontractors Insurance Need? | Smart Business Insurance Australia

Do subcontractors need public liability?*

Below are the list of some of the bona fide subcontractors that can be covered under Public liability insurance:

Do subcontractors need professional indemnity insurance?*

Below are the list of bona fide subcontractors that can need to be covered under professional indemnity insurance:

If you are a sub-contractor and you can't find your occupation listed above please call
1300 542 573 or email as we may still be able to find suitable and affordable business insurance for you.

Sub-contractor insurance cost & quote*

At SMART we aim to treat each of our clients with a friendly and personal touch. Monthly payments are available.

We talk to sub-contractors, including trade and professional sub-contractors, all over Australia and provide business insurance quotes for them every working day.

Public liability insurance quotes for a self–employed sub-contractor in lower risks occupations can start from $500.

While it is important that the cost of your insurance is affordable it is vital that you are covered for your complete sub-contracting business activities.

For an affordable quote on suitable insurance cover for your sub –contracting activities TALK to a SMART Business Insurance broker about the scope of your activities on 1300 542 573 or email us at

1300 542 573

TALK to a SMART Business Insurance adviser

Business Hours:

Monday – Friday 8.45 am - 6.00 pm AEST

*Important: Cover may be available subject to meeting insurers underwriting criteria. Some of the covers listed may or may not be available or may have limitations or exclusions. Cover inclusions vary significantly from insurer to insurer. DO NOT rely upon the above. Check your policy schedule carefully for inclusions and exclusions and limitations. Talk to a SMART business insurance broker on 1300 542 573 for more information.