The cover and the paperwork that let you work legally: business insurance, trade and contractor licences, and home warranty insurance, state by state.
Public liability is the policy most clients ask about, but it's only part of the picture. Here's what each type of cover does, which ones the law requires, and the gaps sole traders often miss.
Licensing is run by each state and territory, and the rules differ a lot. This guide sets out the dollar thresholds for building work, the trades that always need a licence, and where to check.
If you contract directly with homeowners for residential building work, you may have to arrange home warranty insurance before you start or take a deposit. The thresholds changed in several states in 2025 and 2026.
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