Australia — Victoriacontractor insurance & bonding requirements
Updated April 2026 · Source: VBA Domestic Building Insurance + WorkSafe Victoria
Minimum requirements
- General liability
- $10,000,000
- Auto liability
- $1,000,000
- Workers' comp
- Required for crews
Licensed general contractors in Australia — Victoriacarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
DBI mandatory for contracts ≥$16K AUD. Public Liability customarily $10M AUD.
Common questions
What insurance does a Australia — Victoria general contractor need?
A Australia — Victoria general contractor needs at minimum $10,000,000 general liability coverage plus $1,000,000 auto liability. Workers' compensation insurance is required for crews. Per VBA Domestic Building Insurance + WorkSafe Victoria.
How much is the surety bond for Australia — Victoria contractors?
Australia — Victoria does not require a state-level surety bond for general contractors. DBI mandatory for contracts ≥$16K AUD. Public Liability customarily $10M AUD.
Who is the licensing authority in Australia — Victoria?
VBA Domestic Building Insurance + WorkSafe Victoria is the authority for Australia — Victoria contractor oversight. Public license lookup is available at https://www.vba.vic.gov.au/.
How does AskBaily verify contractors in Australia — Victoria?
VBA Domestic Building Insurance + WorkSafe Victoria's public register requires manual lookup. AskBaily ops verifies every Australia — Victoria applicant within 72 hours of signup and suspends matches until verification completes.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Australia — Victoria can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under VBA Domestic Building Insurance + WorkSafe Victoria. That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
AskBaily cities in Australia — Victoria
Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.
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