Professional Indemnity Insurance Online :: News
SHARE

Share this news item!

New WHS figures sharpen the risk picture for tradies

Falls, falling objects and serious injury claims remain central concerns for construction businesses

New WHS figures sharpen the risk picture for tradies?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Safe Work Australia’s latest Key Work Health and Safety Statistics, released on 12 October 2026, provide a fresh reminder that construction remains one of the country’s highest-risk work environments.
The national data records 41 construction worker fatalities in 2025 and shows construction accounted for 11.7% of serious workers’ compensation claims in 2024-25, making the figures directly relevant to trade businesses reviewing safety systems, contracts and insurance arrangements.

The broader report records 222 traumatic worker fatalities in 2025, the highest annual number since 2012, alongside 147,200 serious workers’ compensation claims involving one week or more of lost working time in 2024-25. While vehicle incidents remained the leading cause of worker fatalities across all industries, the construction data highlights the continuing significance of falls from height and being hit by falling objects, both familiar exposures on building sites, renovation jobs and subcontracted works.

For tradies, the insurance lesson is not simply that risk is high. It is that different policies respond to different parts of a loss. Workers’ compensation is generally the statutory starting point where employees are involved, while sole traders and working directors may need to understand whether they are personally covered under any applicable scheme. Public liability may be relevant where third parties allege injury or property damage, but it is not a replacement for workers’ compensation or safe work obligations. Income protection and personal accident cover are also often discussed by self-employed tradies because an injury can affect both business cash flow and household income.

The figures also matter because insurers, brokers and principal contractors increasingly look for evidence that risk is being managed in practice. Useful records may include:

  • safe work method statements for high-risk construction work;
  • site induction, training and supervision records;
  • plant, ladder, scaffold and fall-protection inspection logs;
  • subcontractor insurance and licence checks;
  • incident reports and corrective actions after near misses.

Those documents may not prevent every claim, and they do not guarantee cover, but they can help show how a business approached foreseeable hazards. They may also make renewal discussions more factual, particularly for trades involving work at height, excavation, mobile plant, hot works or regular subcontractor use.

There are limits to what the national statistics can tell an individual business. Premiums, exclusions and cover availability still depend on trade type, state or territory rules, payroll, turnover, claims history, contract requirements and insurer appetite. Even so, the latest WHS data gives tradies a practical prompt: review whether safety controls, job documentation and insurance settings still match the way work is actually being done on site.

Published:Wednesday, 11th Nov 2026
Author: Paige Estritori

Please Note: We do not endorse any specific products or companies. Some content is sourced from third parties, including press releases, and may not be independently verified for accuracy or completeness.

Share this news item:

Rate this article

0 Comments

No comments yet. Be the first to share your thoughts.

Insurance News

New WHS figures sharpen the risk picture for tradies
New WHS figures sharpen the risk picture for tradies
11 Nov 2026: Paige Estritori
Safe Work Australia’s latest Key Work Health and Safety Statistics, released on 12 October 2026, provide a fresh reminder that construction remains one of the country’s highest-risk work environments. The national data records 41 construction worker fatalities in 2025 and shows construction accounted for 11.7% of serious workers’ compensation claims in 2024-25, making the figures directly relevant to trade businesses reviewing safety systems, contracts and insurance arrangements. - read more
Mallee Hail Is a Sharp Reminder About Harvest-Time Insurance Gaps
Mallee Hail Is a Sharp Reminder About Harvest-Time Insurance Gaps
10 Nov 2026: Paige Estritori
A damaging hailstorm across Victoria’s Mallee has turned a promising harvest into a difficult insurance and cash-flow test for affected grain growers. ABC Rural reported on 6 November 2026 that hail swept through districts including Birchip, Wycheproof and Quambatook, damaging thousands of hectares of wheat, barley, lentils, canola and other crops just as many paddocks were ready to harvest. - read more
Strata Storm Claim Ruling Puts Defect Exclusions in Focus
Strata Storm Claim Ruling Puts Defect Exclusions in Focus
10 Nov 2026: Paige Estritori
A recent Australian Financial Complaints Authority decision has highlighted a difficult but common issue for strata communities: damage that happens during a storm is not always insured storm damage. The dispute, reported on 5 November 2026, involved an owners corporation claim for a collapsed parapet wall, with the insurer declining cover on the basis that defective design, materials or workmanship were the dominant cause rather than the weather event itself. - read more
Healthcare liability pressure puts clinic renewal evidence in focus
Healthcare liability pressure puts clinic renewal evidence in focus
10 Nov 2026: Paige Estritori
A new Australian healthcare professional liability market update points to a sharper divide between general insurance market conditions and the experience of healthcare organisations arranging malpractice and professional liability cover. Lockton’s 1 November 2026 update says established insurers remain selective, claims inflation is affecting attachment points and underwriters are looking more closely at how clinical governance works in practice, not merely whether accreditation exists. - read more
WA Child Safety Changes Put Fitness Compliance in the Spotlight
WA Child Safety Changes Put Fitness Compliance in the Spotlight
10 Nov 2026: Paige Estritori
Western Australia’s updated Working With Children Check laws are a timely reminder that fitness business risk is not limited to physical injury, equipment damage or venue incidents. The changes, in effect from 17 September 2026 and highlighted by AUSactive in October, mean certain adverse Working With Children outcomes from other Australian jurisdictions can now affect a person’s ability to work with children in WA. - read more


Professional Indemnity Insurance Articles

Common Misconceptions About Professional Indemnity Insurance Debunked
Common Misconceptions About Professional Indemnity Insurance Debunked
Professional indemnity insurance is a type of coverage specifically designed to protect consultants and business professionals from legal claims and financial losses due to errors or omissions in their services. It provides peace of mind for those who offer expert advice or services to clients. - read more
What Affects the Cost of Professional Indemnity Insurance in Australia
What Affects the Cost of Professional Indemnity Insurance in Australia
Professional indemnity insurance costs can vary widely between Australian professionals and businesses. This guide explains the main premium factors insurers may consider, including occupation, revenue, cover limits, claims history, excess, contracts and risk profile. - read more
How to Tailor Your Professional Indemnity Insurance for Better Liability Coverage
How to Tailor Your Professional Indemnity Insurance for Better Liability Coverage
Professional indemnity insurance is designed to protect professionals from legal claims made against them due to mistakes or negligence in their work. It acts as a safeguard, covering legal costs and any damages awarded, ensuring that professionals can continue their practice without financial burden. - read more
Top 5 Reasons Australian Professionals Need Tailored Indemnity Insurance
Top 5 Reasons Australian Professionals Need Tailored Indemnity Insurance
In the fast-paced and dynamic landscape of today’s professional world, indemnity insurance has become a cornerstone of financial security for many Australian professionals. This type of insurance provides protection against claims of negligence or breach of duty made by clients or third parties. Without this safeguard, professionals may face substantial legal fees and damages that can significantly impact their financial stability. - read more
What to Do if a Professional Indemnity Claim Is Made Against You
What to Do if a Professional Indemnity Claim Is Made Against You
If a client alleges that your professional advice or services caused them loss, the way you respond can affect your insurance position, legal defence and reputation. This guide explains the professional indemnity claim process in Australia, including notification, documentation, insurer consent, legal defence, settlement and post-claim risk review. - read more

Knowledgebase
Peril:
A specific risk or cause of loss covered by an insurance policy, such as fire, theft, or flood.