Insurance for Labourers and General Hands

Labourer Insurance protects workers performing general duties on construction sites, renovations, landscaping projects and more. From tool handling to site clean-up, labourers face physical risks every day — insurance gives peace of mind and financial protection if something goes wrong.

Do Labourers Need Insurance?

Yes — especially if you’re subcontracting, self-employed, or don’t receive paid leave. As labouring is physical, site-based work, and accidents are common, insurance protects your income, reputation, and financial future. Labourers are often first on site and last to leave, assisting with lifting, carrying, machinery setup and basic trade support. Whether you work casually, full-time, or subcontract across multiple sites, we can help you get cover for Public Liability, Income Protection, Tools, and more.

Compare Labourer Insurance Quotes

We compare quotes from leading Australian insurers that offer cover for labourers and general construction assistants — tailored to the work you do and how you’re engaged.

Labourer Insurance Brokers

At Ausure, we specialise in arranging cover for tradespeople and labourers, and understand the specific risks faced by businesses and sole traders in construction and related industries. Our brokers compare labourer insurance policies from our trusted insurance partners, including QBE, Vero, CGU, Allianz, Zurich and others — offering cover suited for general labouring across trades and construction.

What Insurance Does a Labourer Need?

In addition to public liability insurance, which covers sole traders and businesses for property damage or personal injury that a third party suffers as a result of your work activities, the types of insurance cover you need depends on your business requirements. Here are the most common types of insurance for labourers in Australia:

Public Liability

Important if you subcontract or work for yourself. Covers injury or property damage caused by your work — like someone tripping over your gear

General Property (Tools Insurance)

If you use your own tools or PPE, this insurance covers theft, damage or loss — even while travelling to jobs.

Personal Accident

Pays weekly income if you’re injured or become ill and can’t work. Vital for sole traders or subcontractors with no sick leave.

Commercial Motor Insurance

Protects your vehicle if you use it to carry tools, materials or get to job sites.

How Much Does Labourer Insurance Cost?

The cost of labourer insurance depends on factors such as the work you do, your location and the amount of cover your situation requires. Most labourers and contractors find they can get the cover they need with annual payment options generally available, depending on the insurer.

Get Labourer Insurance Quotes

Enter your details to get fast quotes for labourer insurance including accident cover, tools, liability and vehicle protection.

Request a Quote for Your Insurance Needs

What does your Insurance enquiry relate to?

Before we get started, what type of service are you looking for?

A full review by an Insurance Broker
Full Review to assess what insurances are required by a Insurance Broker

I know what I need - no advice or review required
No review or advice - quotes for insurance covers and limits you request. Depending on your enquiry, we may require additional information to provide a quote.

Select your preferred level of service below:

What is the primary type of Business, Trade, or Service that you provide?

Referrer Name

Brand

Lead Source

Lead Type

Referrer Type

Office

Type

Business Details

What is your Business Name?

ABN (Optional)

Type of Business, Trade, or Service that you provide?

Do you have a building license?

What is your estimated Annual Turnover for this year?

No. of Employees including yourself

Does your business employ Contractors and/or Sub-Contractors or Labour Hire personnel?

Approximate $ paid to Sub Contractors/Contractors:

Do you ensure that Contractors, Subcontractors and/or Labour Hire personnel have their own liability, and keep record of where applicable, where necessary?

Tell us about the types of services and work you do for clients:

Business Activities

Do you do any work or provide services to customers in the following industries?

Manufacturing
Civil Works
Aviation
Marine

Mining
Oil and Gas
Public Utilities

Types of Services/Work Completed

Do you perform external work over 10M in height?

Does your work involve welding?

Do you perform underground work over 3M in depth?

Select Required Insurance Covers

If you are unsure or would like more information on any of the cover types, select 'Yes'.

Insurance Basics
Insurance types that are essential for most business and industry types.

	Yes
Liability
General Property (Tools)
Personal Accident
Commercial Motor
Contractual Liability
Workers Compensation
Other

Business Insurance Types Generally Required
Covers that are commonly required for most Businesses.

	Yes
Contract Works
Burglary
Business Interruption
Corporate Travel
Cyber
Flood
Fire & Perils
Glass
Money
Management Liability
Professional Indemnity
Trade Credit
Transit

Insurance That Applies to Some Businesses
Covers that are relevant for some businesses. generally taken by others in your industry to protect the essential risks of doing business.

Insurance That Applies to a Few Businesses

	Yes	No
Aviation
Environmental Liability
Cancellation & Abandonment
Marine Hull and P&I
Shiprepairers Liability
Investment Properties
Political Risk
Voluntary Workers

Businesses Relating to Customers Goods & Vehicles

Farm Insurance Cover Options

	Yes
Crop
Drones Insurance
Home Buildings
Harvested Crops
Gates & Fences
Livestock
Working Dogs
Farm Property
Farm Motor Vehicles
Farm Interruption
Machinery Farm Interruption
Motor Farm Interruption
Theft of Farm Property
Theft Farm Machinery
Other

	Yes
Home Insurance
Car Insurance
Landlord Insurance
Boat
Other

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

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Customise Your Liability Insurance

Preferred limit of Liability

$5M Limit$10M Limit$20M LimitNot sure / Other

Customise Your Personal Accident Insurance

Select your level of Personal Accident cover

$1000 per week Personal Accident$1500 per week Personal AccidentOther

Do you want to be covered for Accident Only OR Sickness too?

What is your Date of Birth?

Do you have any pre-existing medical conditions?

Please provide details

Customise Your General Property (Tools) Insurance

Level of General Property Cover Required

$5000 Tools Cover$7500 Tools CoverOther

Do you have any one Tool that is worth more more than $3000 in value?

Tools Over $3,000 In Value

Please specify items and values for each where value is more than $3000

Would you like us to suggest additional insurance types relevant to your Business?

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price20m

price5m_monthly

price10m_monthly

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Total

Selected Cover Option

Trigger Instant Quote

Quote success

Cover selected

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Session ID

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

price5m

Session ID

Duty of Disclosure

Please Review Carefully

Before proceeding, ensure you disclose all relevant information. Non‑disclosure may lead to denial or reduction of claims, cancellation of your policy, or voiding of the contract (in cases of fraud). If anything below triggers a “Yes”, be prepared to provide details when requested.

Have you ever had an insurance policy cancelled, declined, or had special terms imposed?
Have you ever been declared bankrupt?
Have you ever been involved in a company or business that became insolvent or was subject to insolvency or voluntary administration (e.g. liquidation or receivership)?
Have you ever been convicted of any criminal offence (other than minor traffic convictions)?
Have you ever been liable for any civil offence or pecuniary penalty (exceeding $5,000)?

Do any of the above apply to you?

Please Provide Additional Details

Claims History

Have you ever had a claim declined or refused due to fraud, suspected fraud or suspicious circumstances?
Have you had any Business or Personal Insurance claims in the last 5 years?
Within the last 5 years, have you ever been charged or convicted of a criminal offence?

Is the answer YES to any of the above?

Please Provide Additional Details

Your Contact Details

First Name

Last Name

Mobile Phone Number

Your Existing Policy Details

To assist us in forwarding your enquiry to your current Insurance Broker, please provide details relating to your existing policies below.

Name of your Insurance Broker or Brokerage

If you are unable to provide the above, please provide details that may assist us in identifying your broker:
- Policy Number/s
- Insured's Name, Email or Phone Number listed on the policy
- Address listed on the policy

Details of you Enquiry

Address Details

Providing your address will allow us to allocate your enquiry to the appropriate team.

Street Address

City

Postal Code

State

Country

Tell us About Your Farm

What is the size of your property?

Please provide additional details about your Farm operations

Upload a copy of your current Insurance Policy Schedule

Save time and upload your current business insurance policy schedule.

Please provide additional details on how we can assist you:

Anything else you would like us to know?

Thank you for choosing Ausure.
Your enquiry has been received and is now with our specialist team.
We’ll be in touch shortly to discuss your insurance requirements and guide you through the next steps.

Expert Knowledge

A professional broker ensures you have insurance coverage for your unique needs, giving you peace of mind with a tailored insurance program.

Save Time and Money

An insurance broker saves you time and money by understanding your business and securing quotes from leading insurers on your behalf.

We Are On Your Side

Your Ausure broker ensures you have suitable cover and handles the entire claims process, advocating for the outcome you deserve.

How Much Liability Insurance Do Labourers Need?

If you’re self-employed, most labourers opt for $5 million or $10 million Public Liability Insurance.

If you work on large or commercial sites, $20 million may be required.

FAQs About Labourer Insurance

I work for multiple builders — am I covered?

Yes — just tell us during your quote process and we’ll tailor the cover.

Do I need insurance if I’m on wages?

Maybe not — but if you do any private or cash work, insurance is highly recommended.

What if I don’t use many tools?

You can skip Tools Insurance and just get liability and accident cover.

Do I need an ABN to get insured?

Not always — we can help you get cover whether you’re a registered business or an individual.

What are some examples of public liability claims?

Examples of real public liability claims include:

Trip Hazard on Site: A visitor tripped over a labourer’s wheelbarrow left on a shared access path. Claim cost: $9,200 — paid by liability insurer.
Damaged Tiling Work: A labourer moving equipment chipped fresh floor tiles. Public Liability covered $3,700 in rework and compensation.
Injury During Manual Lifting: A general labourer tore a ligament lifting concrete bags. Personal Accident Insurance paid income support for 6 weeks.

Labourer Insurance Australia-Wide

Ausure helps labourers throughout Australia find insurance policies for your business. Whether you’re located in ACT (Australian Capital Territory), NSW (New South Wales), QLD (Queensland), SA (South Australia), VIC (Victoria), or WA (Western Australia), we can connect you with labourer insurance through our key insurance partners.

What Makes Ausure the Right Choice for Your Labourer Insurance?

Affordable, fast-cover options for individual labourers
Tool and income protection tailored for physical roles
Access to leading insurers and easy renewals
We handle claims so you can focus on work
Pay monthly or annually to suit your cash flow

Our Story

Ausure began back in 1996, with founding offices in NSW, Victoria and the ACT. Since then, the business has grown to become one of Australia’s largest and most widely respected financial services companies.

	Yes	No
Audit & Investigation
Employee Dishonesty
Electronic Equipment
Machinery Breakdown
Machinery Business Interruption
Motor Business Interruption
Product Recall

	Yes	No	Not Sure
Customers Vehicles at Business
Customers Vehicles on Road
Driving Risk
Faulty Workmanship
Liability for Customers Vehicles

Labourers Insurance

Find a suitable labourer insurance cover at an affordable price for your business.