Sub-Contractors insurance

Frequently Asked Questions

Do subcontractors need to consider different cover in different states?

Public liability insurance is consistent across Australia. However, requirements for other coverages—such as workers’ compensation—can vary between states.

Our brokers can provide guidance to ensure compliance with regional laws and industry standards. For advice specific to your state, contact Austcover today.

Does it matter if I am a sole trader or a company?

The structure of your business typically doesn’t affect your public liability insurance requirements. However, other policies—like management liability—might differ based on whether you’re operating as a sole trader or a company.

Speak with an Austcover broker for tailored advice on your business structure and coverage needs.

How much public liability insurance is sufficient for subcontractors?

he amount of insurance you need depends on your contracts and the risks associated with your trade.

Minimum: $5 million (required by law in Australia)

Higher Requirements: $10–20 million for jobs with public exposure or significant risk factors

Our team can help assess your business operations and contracts to recommend the appropriate level of cover.

Are subcontractors covered by the main contractor’s insurance?

n most cases, the main contractor’s insurance does not extend to subcontractors.

Even if the contractor claims coverage, always obtain written confirmation. Having your own insurance helps ensure  you have the right protection for your specific activity.