The Importance of Public Liability Insurance for Tradies

At RSM Tasmania Insurance, we understand the unique risks that carpenters face on the job. That’s why we offer the comprehensive public liability insurance Tasmania needs to cover damage to third-party property, including valuable antiques.

Accidents do happen, even to the most skilled tradesmen. That’s why it’s essential to have the right insurance in place to protect your business and your client’s assets.

Meet Bob, a skilled carpenter who had been in the business for many years and had built a reputation as one of the best carpenters in the area.

Bob was excited when he received a call from a homeowner, Mr Smith, who had recently purchased an old Victorian house and needed some major renovations. Bob immediately set to work on the project, eager to show off his skills and expertise.

As Bob began tearing down walls and replacing floorboards, he stumbled upon a hidden treasure.

Hidden behind the old wallpaper, in an alcove hidden by remodelling, was an antique grandfather clock, worth a small fortune.

Bob couldn’t believe his luck and was amazed by the discovery. But then Bob realised that his excitement in starting this job had got the better of him, and in his haste to pull down the walls, the clock had been accidentally damaged.

The clock’s face was cracked, the glass case badly damaged and the pendulum was bent and Bob knew that Mr. Smith would be devastated when he found out.

When Mr. Smith returned home from work that evening, Bob sheepishly showed him the damaged clock. Mr. Smith was surprised.

He told Bob that the clock had belonged to his grandfather and had disappeared many years ago, although Mr Smith recalled seeing it when was very young. He was understandably upset, but Bob reassured him that he had public liability insurance that would cover the cost of repairing the antique.

Mr. Smith breathed a sigh of relief, saying “Well, I guess you could say the repairs to the clock were ‘time-sensitive'”. Bob couldn’t help but chuckle at the pun, and Mr Smith couldn’t help but smile at the fact that the clock had been found.

The next day, Bob contacted his insurance company and claimed the value of the antique clock. To his surprise, the claim was approved, and the cost of the antique clock was covered.

Bob was relieved and grateful for having the insurance in place and was able to complete the renovation. Mr Smith was extremely satisfied with the results and was also happy that the clock was restored to its former glory.

The incident with the antique clock illustrates the importance of having the right insurance in place.

It’s essential to protect your business and your client’s assets.

Without insurance, Bob would have been liable for the cost of the antique, which could have been financially devastating. Instead, Bob was able to complete the project and continue to build his reputation as a skilled and reliable carpenter.

At RSM Tasmania, we understand the unique risks that carpenters and other tradesmen face on the job. That’s why we offer comprehensive general liability insurance that covers damages to third-party property, including valuable antiques.

Our insurance protects your business, ensuring that you can continue to provide high-quality services to your clients, without the fear of financial loss.

In today’s fast-paced world, accidents happen, and it’s essential to be prepared.

Don’t let an accident like this ruin your reputation and financial stability.

Contact RSM Tasmania today to learn more about our specialized insurance options for carpenters and other tradesmen. With our insurance in place, you can have peace of mind knowing that your business is protected. Don’t wait until it’s too late; insure yourself today and have peace of mind.

Roger Hosie will be happy to explain what you need please call (03) 6244 7854, or email

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