Subcontractors Insurance

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Business Insurance for Subcontractors*

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.

Many subcontractors are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

Subcontactors can access many BIG name insurers AND
industry specific underwriters here:*

Subcontractors QUESTIONS regarding
Business Insurance ANSWERED:*

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.

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

  • Plumber
  • Landscape and Gardener
  • Carpenter
  • Electrician
  • Scaffolder
  • tradesmen
  • Handyman
  • Construction Workers
  • Labourers
  • Painters and Decorators
  • Asbestos Removalist
  • Insurance
  • Bricklayers
  • Concreters
  • Tree Loppers
  • Tilers
  • Plasterers
  • Glaziers
  • Welders
  • Lawn Mowers
  • Flooring Installers
  • Installation and Maintenance Contractor
  • General Liability Insurance

As a sub-contractor, public liability insurance may cover you for damage you cause to a third parties person or property.

For example, if in the course of your trade works, you damage your clients’ furniture , destroy part of their home or building , cause some damage to a neighbouring property, or inflict personal harm on your client, visitors, neighbours or passers-by , public liability insurance may cover you. In the most serious cases, public liability insurance may cover you where your sub-contracting business activities result in the death of a person.

Public liability insurance may also be able to assist with paying damages and/or legal fees for any claims made against you as a result of your sub-contractor business activities. There are many instances of claims made against sub-contractors that are sole traders and small businesses operators who did not think they were at fault.

It is strongly recommended that NO sub-contractor that is a sole trader or small business operator work without public liability.

As a sub-contractor, without public liability insurance you may personally be responsible for any damage you cause to a third parties person or property.

In the most serious cases, public liability damages can result in millions of dollars of payments; which would bankrupt most sub-contractor that are sole traders, and many sub-contracting based small business owners.

The most common sub-contractor based public liability cases involving million dollar payouts include serious personal injury to clients, visitors ,neighbours or passer- bys and the destruction of property.

Even with basic public liability insurance claims against sub-contractors, legal bills start in the thousands of dollars, and climb into the tens and even hundreds of thousands of dollars.

A further reason for sub-contractors needing public liability insurance is that in many instances you will NOT be allowed access to a site or permitted to do a job without showing your public liability certificate of currency.

As a sub-contractor it is essential you declare sub-contractors that you engage to your insurance company or insurance broker.

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 contact us online as we may still be able to find suitable and affordable business insurance for you.

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 contact us online.

As a sub-contractor, it is vital that your sub-contractors have their OWN public liability insurance so that they may be covered for any damage they cause to a third parties person or property while sub-contracting to you.

As a sub-contractor they are responsible for any damages they cause .

As a sub-contractor, your public liability policy covers your sub-contracting business .

Each business, including all sub-contractors you engage, require their own public liability insurance.

It is recommended that you obtain a current public liability certificate of currency from all sub-contractors that perform work for you.

No. If you are a sub-contractor that is also a sole trader workers compensation will NOT cover you.

Workers compensation provides cover for your employees.

As a sub-contractor that is a sole trader you may require income protection or personal accident insurance.

Note: Sole traders may have up to 20 employees

Want guidance on Subcontractors Insurance coverage?
Get in touch. Here to help you.*

Need more CERTAINTY regarding your business insurance cover?
Have questions or want GUIDANCE?
Get in touch. Here to help you.*

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Small business owners DESERVE to get insurance cover at an
affordable price – and KNOW what they are covered for.*

We are business insurance brokers

What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.^

^Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.


REAL LIFE STORIES of small business owners who were UNCERTAIN about their business insurance coverage NOW operating with CONVICTION.*

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Learn More About Insurance for your Business:*


· We may act for you – not the insurance company
· We may obtain multiple quotes for you on suitable policies from leading insurance companies and underwriters
· You receive responsive friendly service.
· You’ll receive a competitive rate on a suitable policy year after year
· You’ll have us in your court if you need to claim
· Monthly payment options
· We’ll do the leg work for you!

Find out more.