Public and Liability
Insurance

At Avoca we strive for your piece of mind, that’s why we know the importance of safeguarding your finance by protecting your business against claims of personal injury or property damage made by a third party.

Why do You Need a Public Liability Insurance?

Accidents can be difficult to control and the costs of compensation in addition to legal fees can be critically damaging to a business.

A Public Liability insurance is strongly recommended for all business owners

What Insurances Do I Need as a Civil Contractor?

Plant &
Equipment

Contract
Works

Public
Liability

Workers Compensation

Workers Compensation Insurance
is a mandatory requirement for any business employing staff or hiring subcontractors.
Products Liability
Is part of the Public Liability policy and helps cover you in the event a claim is made against a business and the product it grows, sells, assembles, supplies or promotes.
SOME INDUSTRIES AVOCA COVERS
Civil
Works
Protects against legal liabilities from services provided, like advice during counselling or health care.
Road Construction
Protects against legal liabilities from services provided, like advice during counselling or health care.
Machine Operators
Protects against legal liabilities from services provided, like advice during counselling or health care.
Carpintry Workers
Protects against legal liabilities from services provided, like advice during counselling or health care.
Plant
Operator

Protects against legal liabilities from services provided, like advice during counselling or health care.

WHY AVOCA
  • Industry Experience
  • Local Support
  • Proud members of the largest insurance broker network in Australasia, the Steadfast Group
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John McBride profile picture
John McBride
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I have just renewed my Home and Contents Insurance with Avoca again and I want everyone to know how wonderful they are. (Thank you Julie) My journey with Avoca started in 2017 after I purchased my current house and they were recommended to me by a friend. After a brief discussion with Sheenali by phone with details then confirmed by email I was quickly set up with appropriate and competitively priced cover for my insurance situation in preparation for the settlement of my house. Yearly renewals are a breeze. I am contacted at least 6 weeks before my insurance renewal is due to confirm if there are any changes or additions. It is always an easy stress free exercise for me. If you do have the mis fortune to have an event I can speak from personal experience that Avoca have you back. I retuned home from work at about 9pm on Christmas eve 2021 to find a collapsed ceiling in my living room and a flooded house due to a burst Iplex hot water pipe in my roof (pictures included below). I sent out an email to Avoca later the same evening. I received a call from Avoca just before 9:30am Christmas Morning (Thank you again Mia) and before lunch Christmas day I had an emergency visit from a plumber and electrician to make my house safe. Further, when things don't go to plan Avoca are there to help you. Following the aforementioned flood, the builder assigned to rectify the damage (AT Build WA PTY Ltd) was made aware if a large crack in the Gyprock that had formed above my built in bookcase they had replaced as part of the rectification works. AT Build WA acknowledged the defect in their work but then simply would not make a time to be available to return and correct the defect. After "getting the run around" for four months I contacted Avoca for assistance. Avoca were able to contact my insurer, who in turn, reopened my original claim and directed the builder to make themselves available to correct the defect without unnecessary delay. It took less then 1 month following this intervention to have matter resoled (thank you again Melissa and Sara). I hope this shows everyone how the level of customer service and attention to detail you receive being a client of Avoca, I would recommend them to anyone. My wife also uses Avoca for insuring her two rental properties. Included are two pictures of damage from the flood December 24 2021.
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Garrett Goodenough profile picture
Garrett Goodenough
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Maryna and Avoca has been truly fantastic. I was knocked back for Worker Compensation insurance because we were a small business and Avoca managed to find a really great, affordable solution... More than that made us feel like a VIP customer. Thank you team ☺️
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Luke Williams profile picture
Luke Williams
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After just six months, Avoca has wowed me and my team with their professionalism. Not only were they able to secure our apartment complex a great insurance deal, their prompt response to queries, knowledge, willingness to educate and warm approach in all communication continue to be stand outs in the industry.
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Ariana Black profile picture
Ariana Black
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We have been with Avoca Insurance for many years now in both business and personal from cars, workers comp, boats, contents and more. The service has always been fast and precise and annually reviewed. Our key contact has been Mia who has been exceptional, and we were also able to work with Sheenali on a recent event who went above and beyond in every way and made the entire event seamless for all stakeholders.
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Peter O'Brien profile picture
Peter O'Brien
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Prompt Same Day Service Freindly service
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Deluxe Party Time
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It was absolutely fantastic working with the Avoca team for their 20th Anniversary celebration! From the very beginning, communication was smooth and thoughtful, and the entire event was beautifully organised with so much care and attention to detail. I’m so grateful to have been part of such a special milestone—what an incredible atmosphere! It was a real pleasure collaborating with such kind and professional people. Thank you again for trusting me to be part of the celebration. I would be more than happy to work together again in the future! Warmest regards, Yen @deluxe_party_time
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James Diamond profile picture
James Diamond
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An incredible group of people, highly recommended!
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Vin and Flower
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Amazing people & great company!
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Rolo Media profile picture
Rolo Media
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Sheenali at AVOCA has been a fantastic client to work with. She brought us on board to photograph their 20th anniversary event, a beautifully planned celebration that highlighted just how much their team values connection and community. It was a pleasure capturing such a milestone moment for them. - Kevin, Rolo Media
FREQUENTLY ASKED QUESTIONS
  • Is insurance mandatory for NDIS workers?
    While not all types are required, public liability and professional indemnity insurance are highly recommended, and in some cases, required under NDIS guidelines.
  • How much does NDIS worker insurance cost?
    Costs vary based on coverage type, experience, and risk factors. Avoca can provide tailored quotes.
  • Do I need insurance if I work for an NDIS-registered provider?
    If you’re an employee, you may be covered under your employer’s policy. If you’re a sole trader or subcontractor, you likely need your own insurance.
  • What happens if I make a claim?
    Avoca supports you through the claims process, ensuring quick resolutions and minimal disruptions to your work.
  • I am still waiting on my NDIS approval can I still get insurance in place?
    Yes
  • What insurance is required or recommended for support workers?
    At the very least, NDIS support worker should have Public Liability and Professional Indemnity insurance to safeguard and protect you while you help your clients. Additional cover like Personal Accident Insurance or Motor Insurance is not obligatory.
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