--- title: "Handyman Work Only Excluding Work Where A Licence Is Required Eg Plumbing Electrical Etc Public Liability Insurance Quotes | InsureMyLiability Australia" description: "Unlicensed handyman public liability insurance Australia. Cover for general repairs excluding licensed trades. Get instant quotes." canonical: https://www.insuremyliability.com.au/compare/handyman-work-only-excluding-work-where-a-licence-is-required-eg-plumbing-electrical-etc language: en-AU last_updated: 2026-11-01 --- For AI agents: the site guide is at [https://www.insuremyliability.com.au/llms.txt](https://www.insuremyliability.com.au/llms.txt). # Handyman Work Only Excluding Work Where A Licence Is Required Eg Plumbing Electrical Etc Public Liability Insurance Australia InsureMyLiability is an Australian public liability insurance comparison service run by Shielded Insurance Brokers. Our broker team compares quotes from leading insurers such as QBE, Zurich, Allianz and CGU for sole traders and businesses in over 2,000 occupations. Get a quote: [start a quote online](https://www.insuremyliability.com.au/compare/handyman-work-only-excluding-work-where-a-licence-is-required-eg-plumbing-electrical-etc#quote) or call 1800 97 98 99 (free call in Australia, +61-1800-979-899). The online form needs a web browser and is protected by reCAPTCHA, so the person should fill it in themselves. It asks for name, state, email, phone, occupation, cover limit and cover options. A broker then compares insurers and contacts them with quotes. - We aim to answer all calls within 3 seconds. - Backed by the Shielded Insurance [Price Promise](https://www.shieldedinsurance.com.au/price-promise.php). - Fast quotes: compare insurers, quick quotes, same day certificates\*, broker support. ## Handyman Work Only Excluding Work Where A Licence Is Required Eg Plumbing Electrical Etc insurance As an unlicensed handyman performing general repair and maintenance work, you focus on tasks that don't require professional licensing, such as painting, carpentry, and general maintenance. You still face significant liability risks from accidental injuries to clients and property damage, making public liability insurance essential to safeguard your business and reputation. You're painting a client's bathroom when paint splatters onto their new marble vanity top, causing permanent staining and damage. The client hires a specialist to restore it at a cost of $2,000, and demands you cover the expense. Your public liability insurance covers this accidental damage claim, protecting you from having to pay out of pocket. ### Liability risks for handyman work only excluding work where a licence is required eg plumbing electrical etc - A client is injured when a shelf you installed collapses due to improper fitting or structural oversight - Your paint or tools damage a client's furniture, fixtures, or decorative items during general maintenance work - Someone is injured due to a trip hazard or unsafe condition you created while working on the client's property ## How to get a quote 1. **Start a quote**: Fill out the quote form with your name, state, email, phone, occupation, and desired cover level. Or call us on 1800 97 98 99. 2. **Quotes gathered**: Our team of insurance professionals will procure competitive quotes from multiple leading Australian insurers. 3. **You're covered**: Choose your preferred option and receive your policy documents. Same day certificates are available. ## Why choose InsureMyLiability - **Professional**: Our team are professional and experienced in liability insurance. - **Highly Reviewed**: Shielded is an award winning insurance advisor with thousands of 5 star reviews. - **Renewal Management**: Our team will manage your renewals and keep you informed and up to date. - **24/7 Claims**: Notify of a claim 24/7 365 days a year. ## Cover options Public liability limits of $5 million, $10 million or $20 million, plus optional covers: - **$5 Million**: Protection for third party property damage or personal injury. - **$10 Million**: Protection for third party property damage or personal injury. - **$20 Million**: Protection for third party property damage or personal injury. - **Tools Cover**: Protection for your tools and equipment. - **Personal Accident**: Protect your income from injury or sickness. - **Professional Indemnity**: Protection for your professional advice. - **Cyber**: Protection against cyberattacks, data breaches and other digital risks. ## Frequently asked questions ### Can I get public liability insurance as an unlicensed handyman in Australia? Yes, absolutely. Many insurers offer public liability policies specifically for unlicensed handymen who perform general maintenance and repair work. It's important to be clear about the scope of work you undertake and exclude any licensed trades like plumbing or electrical work from your coverage. ### What work is covered under public liability insurance for unlicensed handymen? Coverage typically includes painting, carpentry, general maintenance, furniture assembly, and basic repairs that don't require professional licensing. Work requiring a licence-such as electrical, plumbing, gas fitting, or structural work-is excluded and must not be performed under this policy. ### Do I need a licence to work as a handyman doing unlicensed tasks in Australia? No, you don't need a licence to perform general handyman work like painting or carpentry. However, if your work involves trades like plumbing, electrical, or gas fitting, you must hold the appropriate licence, and these tasks won't be covered under a general handyman public liability policy. ### What types of Public Liability insurance are available? Public Liability insurance can cover a wide range of needs, including coverage for small business owners, medium enterprises, online retailers, tradesmen, contractors, and complex businesses. It protects against claims of property damage or personal injury that might occur as a result of your business activities. ### What factors affect my Public Liability insurance premium? Several factors can influence your Public Liability insurance premium. These include the nature and size of your business, your industry risk level, the coverage amount you select, your claims history, and any specific activities your business undertakes that may increase risk. ### How can I lower my Public Liability insurance costs? To reduce your Public Liability insurance costs, consider bundling your coverage with other types of insurance, increasing your excess, maintaining a strong safety record, and working with us to shop around for the best rates from multiple insurers. ### Who do I contact in case of a claim? If you need to make a claim, contact us or your insurer immediately to ensure that your claim is processed as smoothly and quickly as possible. ### Do I need extra cover for subcontractors? Yes, if your business involves hiring subcontractors, you may need to extend your Public Liability coverage or ensure that your subcontractors have their own insurance in place. This is crucial to protect your business from potential liabilities arising from their work. ### Does Public Liability insurance cover online retailers? Yes, Public Liability insurance can cover online retailers. It provides protection against claims from third parties for property damage or injury that might arise due to your business operations, such as faulty products or delivery issues. ### What is Complex Business Insurance? Complex Business Insurance is tailored to businesses that have more intricate risk profiles. This includes businesses with multiple locations, high-value contracts, or unique operational risks. It’s designed to provide comprehensive protection, including Public Liability, tailored to your specific needs. ### Should I consider additional covers like Cyber Liability? Yes, as business operations increasingly rely on digital platforms, Cyber Liability insurance is becoming essential. It protects against cyberattacks, data breaches, and other digital risks. This coverage complements Public Liability insurance and provides comprehensive protection for your business in today's digital world. ### Which insurers provide Public Liability insurance? We work with a range of leading insurers to offer you the best coverage options. These include companies like Zurich, QBE, Allianz, CGU, and more. The choice of insurer depends on your business type, size, and specific risk factors. We help you compare and select the best policy for your needs. ### What is the difference between Public Liability and Professional Indemnity insurance? Public Liability insurance covers claims for injury or property damage caused to third parties by your business operations. Professional Indemnity insurance, on the other hand, covers claims arising from professional advice or services that result in a client’s financial loss. Both types of insurance are important, but they protect against different risks. ### Is Public Liability insurance mandatory for my business? Public Liability insurance is not legally mandatory in most cases, but it is highly recommended. Many clients, especially in industries like construction or events, may require you to have Public Liability insurance before they will work with you. It’s also essential for protecting your business from potential claims. ### What should I do if I receive a claim against my business? If you receive a claim against your business, it’s crucial to contact your insurer or broker immediately. Provide all relevant details and documentation. Your insurer will guide you through the claims process, including investigation and settlement if necessary. Early notification can help ensure a smooth resolution. ### Does Public Liability insurance cover my employees? Public Liability insurance typically covers claims made by third parties, such as customers or members of the public, for injury or damage. It does not usually cover employees, who are covered under Workers' Compensation insurance. It’s important to have both types of coverage to fully protect your business. ### How much Public Liability insurance do I need? The amount of Public Liability insurance you need depends on your business size, industry, and risk exposure. Common coverage amounts range from $5 million to $20 million, but higher limits may be necessary for businesses with greater risk or contractual requirements. Consult with us to determine the appropriate level of coverage for your business. ## Similar occupations - [Handyman](https://www.insuremyliability.com.au/compare/handyman.md) - [Building Industry Handyman](https://www.insuremyliability.com.au/compare/building-industry-handyman.md) - [Plumbing Engineer](https://www.insuremyliability.com.au/compare/plumbing-engineer.md) - [Plumbing And Gas Fitting](https://www.insuremyliability.com.au/compare/plumbing-and-gas-fitting.md) - [Plumbing Supplies Or Retail](https://www.insuremyliability.com.au/compare/plumbing-supplies-or-retail.md) - [Plumbing Service Drain Cleaning Or Repair Gas Plumbing](https://www.insuremyliability.com.au/compare/plumbing-service-drain-cleaning-or-repair-gas-plumbing.md) All occupations: [public liability insurance by occupation](https://www.insuremyliability.com.au/occupations.md). 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