In Australia , all self-employed plumbers and pipefitters need public liability insurance.
As a pipefitter 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 public liability insurance is mandatory for all plumbers.
Throughout Australia you may need public liability insurance to work on certain building sites or specific clients who request it.
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.
Public liability insurance in Australia typically provides self-employed plumbers with cover for:
Public liability insurance cost for plumbers snapshot:
Self-employed plumbers, starts from around $650* or $60 per month.
$5 million Public Liability Insurance cost for some plumbers with no previous claims starts from around $650* or $60 per month.
*Important : the above is a guide only ; pricing may vary significantly from the above based on your size, clients, experience and plumbing business activities.
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