Public Liability Insurance for Plumbers

Public liability insurance quotes for plumbers and pipefitters. Suitable cover for self-employed plumbers, and your plumbing tools and equipment with help from our liability brokers.*

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As a plumber, your job can take you to a wide range of locations and settings, from domestic sites such as residential homes, to large commercial sites.

Due to the nature of plumbing work, a mistake, or a moment of carelessness, can have serious consequences. Whether you run a team of plumbers, or operate as a contractor, it is important that you are properly covered.

Having appropriate insurance in place is crucial for the continued success of your plumbing business. When you consider worst-case scenarios that could occur when undertaking plumbing work, such as flooding an expensive home, or someone falls on plumbing equipment leading to disability or death, it is vital for your peace of mind to know you have public liability insurance in place.

Public Liability Australia may be able to help mitigate your business risk, and to help cover all your business activities so that you can operate your business with peace of mind.


What types of insurance does a plumber need?

There are many different risks associated with the day-to-day operations of your business as a plumber. It is important to ensure that you are suitably covered.

The common types of insurance for plumbers are:

  • Public & Products Liability Insurance
  • Business Pack Insurance
  • General Property (Tools of Trade)
  • Personal Accident
  • Workers’ Compensation
  • Commercial Motor

Do plumbers need public liability insurance?*

In Australia , all self-employed plumbers need public liability insurance.

As a plumber you need public liability insurance as it can protect you and your business against the financial risk of being liable for negligence.

If an accident happens as a result of your plumbing business activity you can be held responsible. Public liability insurance is needed to help cover damages and legal fees.

For example, if as result of your plumbing activities your clients property is damaged public liability insurance can help pay for the repairs.

In Victoria, and many other states, public liability insurance is mandatory for all plumbers to be able to receive a license that allows them to conduct plumbing work.

Throughout Australia you may need public liability insurance to work on certain building sites or specific clients who request it.


What is public liability insurance for self-employed plumbers?*

If you are working as a plumber, or running your own plumbing business, you may need public liability insurance to protect yourself in situations where your work causes injury or damages to others.

Public liability insurance for the self-employed plumbers protects you from third-party claims of bodily injury or damage to someone else’s property. For example, if you are doing a plumbing job at a client’s home and their child hurts themselves by falling into a ditch you have dug or by tripping over your tools and equipment, Public Liability may help pay the related medical bills and your legal expenses.

What does public liability insurance for plumber cover?*

Public liability insurance in Australia typically provides self-employed plumbers with cover for:

  • Third-party injury to other persons – where your plumbing business activities causes harm to others
  • Third-party damage to others property – where your plumbing business activities causes damages to others property ; for example ; a burst pipe that you are blamed for
  • Product liability – where your plumbing business products and goods supplied causes harm to others; for example; a faulty toilet seat causes someone to fall and injure themselves.

What does Business Pack Insurance cover for plumbers?

Business Pack Insurance may cover your plumbing business for many risks in one policy. This can include cover for:

-Public & Products Liability

-Commercial Property if your plumbing business has a premises

-General Property such as tools



What does General Property / Tools of Trade cover for plumbers?

General Property insurance may cover your plumbing business for the accidental loss or damage of valuable items that you would generally carry around with you in your plumbing business. For example, if you were to insure your plumbing tools, General Property may cover you if your tools were stolen.

What does Personal Accident cover for plumbers? *

In the event of an accident, Personal Accident insurance may provide cover for much of your weekly income for 1 to 2 years if you are unable to work as a plumber for an extended period . Call our team for details .

How much is public liability insurance for a plumber?*

Public liability insurance cost for plumbers snapshot:

Self-employed plumbers, starts from around $950* or $90 per month.

$5 million Public Liability Insurance cost for some plumbers with no previous claims starts from around $950* or $90 per month.

For plumbers that:

-Work on Commercial Building Sites

-Have Employees

-Work for councils or government departments and require $20 million liability costs will be higher.

*Important: the above is a guide only; pricing may vary significantly from the above based on your size, clients, experience and plumbing business activities.

The costs associated with insurance for your plumbing business vary depending on a range of factors, including:

-Claims history

-Coverage needs

-Your exposure

For example, a plumber who has recently made a $26,000 claim, in general, would pay more for an insurance policy than a plumber who is claim free.

Other factors that can impact cost include the scope and nature of your business, your business size, and your business turnover.

We serve plumbing businesses and plumbing sub-contractors all over Australia*

List of states and territories in Australia we can help plumbers and pipefitters find the insurance cover they need :

  • New South Wales (NSW)
  • Queensland (QLD)
  • Victoria (VIC)
  • Western Australia (WA)
  • South Australia (SA)
  • Tasmania (TAS)
  • ACT and NT

Difference between public liability and professional indemnity insurance for plumbers?*

The difference between public liability and professional indemnity insurance for plumbers is that:

Public liability insurance cover is to protect plumbers against claims made by clients and other parties for injury, or damage to property
while Professional indemnity covers plumbers for claims made by clients for professional errors or negligence.

In practice for plumbers in Australia that means they typically need public liability to cover issues that arise from their physical plumbing activities on site while professional indemnity insurance can protect you plumbers against legal costs and damages when one of your clients makes a claim for damages against you for the design stage of the project.

Generally speaking if plumbers provide advice or design for a fee they need professional indemnity insurance.

Why should plumbers use an insurance broker?

When working in a fast-paced job where every day is different, having an insurance broker can take the stress off your shoulders. Public Liability Australia may be able to assist you in getting covered for your specific business risks, to preserve your peace of mind and business continuity.

As your broker, Public Liability Australia may assist you in mitigating your business risks, and choosing the cover that is appropriate for you.

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We are business insurance brokers
What does this mean to you ?
What that means is that we are YOUR representative, and our first responsibility is to YOU, unlike an insurance agent who represents the insurance company.

And in the event of a claim, we fight for YOU, which may mean a faster and more successful claim.

Important : We have no power to authorise claims. However, our experience and assistance can help you when you have a claim.