Insurables — Australian business risk, sourced and dated

Tilers: public liability requirements in Victoria

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

Data as at

Verified for Victoria

  • Licence liability condition: No insurance condition where the work is done unregistered under the single-task exemption, because there is no registration for a condition to attach to. Where the business IS registered in a Domestic Builder (Limited) class, the domestic building warranty scheme applies to eligible domestic building work. Note what is NOT insurance here: Victoria's Minimum Financial Requirements are a SOLVENCY test — net tangible assets against approved workload — and from 1 July 2026 they replace the old Domestic Building Insurance eligibility assessment. MFR is about whether a builder can carry the work financially, not about whether anyone is insured. Confusing the two is easy and gets the answer wrong. VIC · effective 2026-08-24 Building and Plumbing Commission · 2026-08-17
  • Licence evidence required: Nothing where the single-task exemption applies. Where registered, evidence of warranty-product eligibility and Minimum Financial Requirements compliance before registration is issued or renewed. VIC · effective 2026-08-24 Building and Plumbing Commission · 2026-08-17
  • Licensing body: It depends on how the work is contracted, and Victoria draws the line in an unusual place. A tiling business can register with the Building and Plumbing Commission in the matching Domestic Builder (Limited) class — but registration is NOT required where the practitioner is only carrying out one task, regardless of the cost of that work. Victoria's own guidance names painting, plastering and tiling as examples. So a single-trade tiling contractor may lawfully work unregistered on jobs that would require a licence in New South Wales. VIC · effective 2026-08-24 Building and Plumbing Commission · 2026-08-17

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