Public liability insurance is a type of insurance that covers contractors for potential claims made against them for third-party injury or property damage. It provides financial protection in case of a lawsuit or claim made against a contractor. It is a legal requirement in many countries, including Australia, and is important for contractors to have in order to protect both their business and their personal assets.
Does public liability insurance cover contractors?
Yes, public liability insurance covers contractors. This type of insurance covers the contractor’s legal liability for injury to third parties or damage to third-party property caused by the contractor’s work. This includes injury or damage caused by the contractor’s negligence, as well as injury or damage caused by the contractor’s work.
What is covered by public liability insurance?
Public liability insurance typically covers:
- Injury or death caused by the contractor’s negligence
- Damage to third-party property
- Legal expenses associated with defending a claim
- Reputation damage
Who is covered by public liability insurance?
Public liability insurance covers the contractor, as well as any employees, subcontractors, or other personnel working on behalf of the contractor.
Am I an ‘employee’ or a ‘contractor’?
Whether you are an ‘employee’ or a ‘contractor’ is determined by a number of factors, including the type of work you do, the relationship between you and the person you are doing work for, and the amount of control the person has over you. Generally, employees are employed on a full-time or part-time basis, whereas contractors are usually employed on a project-by-project basis.
Are my contractors covered?
Yes, public liability insurance can cover the contractors working on behalf of the contractor. This coverage is typically provided by the contractor’s insurance policy.
I am a contractor. Am I covered?
Yes, as a contractor, you are covered by public liability insurance. This type of insurance provides financial protection in case of a lawsuit or claim made against a contractor. It is important to make sure you have adequate public liability insurance coverage for your business.
Looking for cover?
The Roots team are on hand to guide and support your contractor needs. Contact us today to discuss your contractor insurance and compliance needs.
