If your business uses subcontractors, it’s common to assume your Public Liability Insurance automatically covers their work — but that’s not always the case. Coverage can vary depending on how subcontractors are engaged, what your policy says, and whether contractors hold their own insurance. This guide explains how Public Liability Insurance applies to subcontractors in Australia, common misconceptions, and what business owners should check to avoid costly gaps in cover.

Confused about public liability vs professional indemnity insurance? Learn the key differences, why Australian small businesses need both, and how a broker can help you stay protected.

Running a business comes with risks — and one accident could cost thousands. Public liability insurance protects your business, and a trusted broker ensures you’re fully covered, supported during claims, and confident in your decisions. Learn how Clutterbuck Insurance Brokers help businesses across Australia find the right cover.