You've got your licence, you've built up a list of people who want you, and you've handed in your notice. Going out on your own is one of the biggest steps a tradie takes, and most of the planning goes into the work itself: the ute, the tools, the quoting, the ABN. The part that catches people out is insurance. As an employee, a lot of it was quietly handled for you. Your employer's public liability covered your work. WorkCover covered you if you got hurt. The business insure

If you work in the trades; whether you're a plumber, electrician, painter, carpenter, or concreter. The term "resultant damage" is one of the most important insurance concepts you'll ever come across. Yet most tradies have never heard of it. And most only find out what it means after a claim has been denied. Understanding resultant damage and what it is, how it works, and why it matters can be the difference between your public liability policy paying out and leaving you pers

One of the biggest misconceptions among tradies and contractors is believing Public Liability Insurance will automatically cover faulty workmanship. Unfortunately, that is not always the case. Many business owners only discover the difference after a claim has been denied. This leaves them to personally pay for repairs, replacement costs, or property damage claims. Understanding what Public Liability Insurance does and does not cover is critical for plumbers, electricians, pa

Licensed electrician installing hanging downlights in a Brisbane home Most electricians know they need insurance. Fewer are clear on which parts of it are actually tied to keeping their QBCC licence, and which parts are simply good practice. That distinction matters, as one is a compliance issue that can affect your ability to trade, the other is a business decision about how much risk you're comfortable carrying yourself. What QBCC licensing conditions require Electrical con

If you've ever hired an excavator or you're in the business of hiring them out, this question probably keeps you up at night. Something goes wrong on site. The machine is damaged. And suddenly everyone is pointing at everyone else. So who actually pays? The honest answer is: it depends. But understanding how liability works in plant hire arrangements can save you from a very expensive surprise. The Basic Rule: Whoever Is in Control Bears the Risk In most plant hire arrangemen

For many earthmoving and excavation businesses, hiring out machinery can create valuable additional income. However, whether machinery is supplied with or without an operator can significantly change the insurance risks involved. This is where the difference between wet hire and dry hire becomes extremely important. Many contractors incorrectly assume their existing insurance automatically covers both arrangements, only to discover coverage gaps when a claim occurs. In this g

Excavators are among the most valuable assets on many Australian construction and earthmoving sites. Unfortunately, they are also a common target for theft. From organised machinery theft through to stolen attachments and equipment taken from unsecured job sites, a single incident can result in major financial loss and project delays for excavation contractors. So, does excavator insurance cover theft? In many cases, yes but the level of protection depends on the policy wordi

Excavators are exposed to some of the toughest working conditions in the construction and earthmoving industries. From steep terrain and unstable ground through to tight access sites and operator error, rollovers remain one of the most serious risks faced by excavation contractors across Australia. A single rollover can result in tens of thousands of dollars in repair costs, project delays and lost income. So, does excavator insurance actually cover rollovers? In many cases,

Public liability insurance is a crucial safeguard for businesses and individuals in Brisbane. It protects against claims for injury or property damage caused to third parties during business operations or on private property. However, this insurance does not cover every possible risk. Knowing what public liability insurance does not cover helps you avoid unexpected costs and ensures you have the right protection in place. This article explores the key exclusions and limitatio

If you run a business in Brisbane, chances are you’ve heard of public liability insurance. But one of the biggest misconceptions is this: many business owners think they’re covered for everything. That is until a claim proves otherwise. Understanding exactly what’s included (and what’s not) can be the difference between a policy that protects your business… and one that leaves you exposed. Brisbane’s busy public spaces highlight why public liability insurance is essential for

The Brisbane River Average Cost of Public Liability Insurance in Brisbane Public liability insurance in Brisbane can range from a few hundred dollars to several thousand dollars per year, depending on your business. As a general guide: Sole trader low-risk businesses can start from around $400 to $800 per year. Trades such as electricians or plumbers may range from $800 to $2,000 per year. Higher risk industries, such as Industrial works or manufacting can range from $2,000 t

One injury. One fall. One unexpected illness. That’s all it takes to stop your income overnight. If you’re self-employed, a tradie, or running your own business, no work usually means no pay and the bills don’t stop just because you do. That’s where Personal Accident Insurance comes in. Personal Accident is an important safeguard following an Injury or Illness. What is Personal Accident Insurance? Personal Accident Insurance is designed to replace your income if you’re unable

For most tradies, your tools aren’t just equipment. They’re your income. You can't work without your tools and you can't make income without them to complete the work. Yet tool insurance is one of the most misunderstood covers, and one of the most common areas where claims get knocked back. In this guide, we break down what tool insurance actually covers, what it doesn’t, and the key mistakes that can leave tradies out of pocket when it matters most. Tools and Equipment insur

One accident involving a customer, supplier, or member of the public could cost your business tens of thousands of dollars and that's before legal fees. The problem is most business owners aren't completely sure what their public liability policy actually covers. That is, until something goes wrong. This guide cuts through the confusion so you know exactly where you stand. What This Guide Covers What public liability insurance is and what it covers Who is protected and who is