Insurables — Australian business risk, sourced and dated

Panel beaters: public liability requirements in New South Wales

Cover for legal liability to third parties for personal injury or property damage arising from business activities.

Data as at

Verified for New South Wales

  • Licence liability condition: No insurance condition found in the published licensing requirements. NSW Fair Trading's guidance on repairer licences and tradesperson certificates does not name public liability or professional indemnity insurance as a condition. Recorded at reduced confidence deliberately: the Motor Dealers and Repairers Regulation could not be retrieved, so this is a verified negative against the regulator's published guidance rather than against the full regulation text. Treat it as "no requirement is published" rather than "the regulation contains none". NSW · effective 2013-11-01 NSW Fair Trading · 2026-08-24
  • Licence evidence required: No insurance evidence is required for the licence or the certificate on the published requirements. What a repairer is actually asked for comes from elsewhere — an insurer panel agreement, a fleet contract, or a landlord — none of which is a licensing obligation. NSW · effective 2013-11-01 NSW Fair Trading · 2026-08-24
  • Licensing body: NSW Fair Trading, under the Motor Dealers and Repairers Act 2013 (NSW). TWO credentials sit side by side and both are needed: a repairer's licence for the BUSINESS — required if you carry on the business of repairing motor vehicles, including part-time work, mobile work, subcontracting, partnerships and companies — and a motor vehicle tradesperson's certificate for the PERSON doing the work, in the class covering panel beating. Anyone doing repair work in a repair business must hold the certificate for that class, including the owner of the business. NSW · effective 2013-11-01 NSW Fair Trading · 2026-08-24

What contracts commonly ask for

Principals and head contractors set their own insurance requirements, and those are frequently higher than a licence condition. The requirement that binds is the higher of the two, and both have to be read from the actual document.

What this cover costs

This site publishes no cost benchmark for this cover. A benchmark needs a real sample of documents, and none is published until the sample is large enough to compute a median honestly. A benchmark from a handful of policies is a guess with a decimal point.

Sources