Plumbing Insurance That Has Your Back (Even When Your Jeans Don't)

Public liability insurance is essential for every plumbing business. It covers you if someone claims your work caused property damage or personal injury on the job. Most Aussie plumbers rely on this insurance cover to keep their business protected against big risks.

Business insurance for plumbing businesses can cover your tools, equipment, vehicles, and even protect you from lost income with business interruption cover. The best part? You can tailor your insurance cover to match exactly what you need.

If your tools are stolen or damaged, your business insurance or dedicated tool insurance cover will help you replace or repair them fast—so you can get back to work without major delays.

In most states, some form of plumbers insurance is required by law—especially public liability insurance. Without the right insurance cover, your plumbing business could miss out on contracts or even face legal trouble.

Yes, personal accident insurance is highly recommended for sole traders and contractors. This insurance cover protects your income if an accident leaves you unable to work.

The cost varies depending on the coverage extent, your business size, the types of plumbing services offered, and risk factors. Premiums can range significantly but are generally affordable relative to the protections they offer.

Factors include the type and amount of coverage, location, annual revenue, number of employees, and your business’s claim history.

Common exclusions include intentional damage, contractual liabilities, and claims arising from known faulty workmanship prior to the policy start. It’s important to read your policy thoroughly to understand all exclusions.

To make a claim, contact your insurer as soon as an incident occurs. Provide all necessary documentation and follow your insurer’s claims process, which typically involves an assessment of the claim followed by appropriate settlement.

Most standard policies cover work done within Australia only. If you work internationally, you’ll need to discuss extending your coverage or obtaining a specific policy that covers overseas work.

Professional indemnity insurance is advisable if you provide professional advice or services, as it protects against claims of negligence or breach of duty arising from your professional advice.

Great question! Business insurance is a broad term. It includes things like tool cover, vehicle cover, and even business interruption cover. Public liability insurance is specific: it protects you from claims if your plumbing work accidentally causes harm or damage to someone else.

You can reduce premiums by demonstrating a low claim history, choosing higher deductibles, bundling policies, and ensuring you have proper safety measures and training in place.

Absolutely. Professional indemnity insurance is important for plumbers who give advice, consult, or design plumbing systems. This insurance cover helps if someone claims your professional advice led to a problem.