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Running a plumbing business means managing constant risks: damaged tools, site accidents and unexpected claims. Broad Risk protects your livelihood with tailored plumbers insurance built around how you work. With us, you can expect clear advice, reliable support and fast claims service to help you stay focused on keeping your business flowing.
Do Plumbers Need Insurance?
Yes, Australian plumbers are required to have insurance to meet industry regulations, such as public liability insurance. Always check with your state or local governing body to ensure you have the necessary insurance requirements, or contact a professional, like us, for guidance.
When you hold a plumbing licence, public liability cover is a vital protection for your reputation and livelihood. It safeguards you from unexpected costs if property damage or injury occurs on a job site. Broad Risk works with trusted insurers to tailor plumbing insurance that fits how you operate; no unnecessary extras, just robust protection backed by expert guidance.
Public Liability Insurance for Plumbers
Public liability insurance is a necessary cover for plumbers, required by law and for protecting your business financially should you ever need cover.
How Does Public Liability Insurance Benefit Plumbers?
Imagine this: you’ve installed a tempering valve for a client. After you leave, you get a call - the valve has failed and water is flooding the property, causing thousands of dollars in damage to your client’s flooring, contents and walls.
A situation like this is stressful no matter what. However, having the right public liability insurance can help you manage the financial impact, providing a quick solution to your client while protecting your business from liability.
This is just one example of many. As a plumber, you’ve likely seen or heard of nightmare situations like this, from dropping a heavy tool and cracking a tile to someone sustaining a serious injury.
Insurance can help provide peace of mind when you may need it most.
Public Liability Insurance Typically Covers:
Accidental damage to a customer’s home or business premises.
Injuries caused to others due to your work activities.
Legal and court costs associated with liability claims.
Compensation payments for covered claims.
Many Australian states and local councils require plumbers to hold public liability insurance to maintain licensing and comply with industry regulations.
It’s important to note that insurance coverage differs from policy to policy. Check with your insurance provider or broker to ensure you have the coverage you need.
Optional Insurance Plumbers Should Consider
When exploring your insurance options, solely meeting legal requirements may not be enough to fully protect your business. As a business owner or individual in this industry, you are likely aware of the risks facing you each day. Whether it’s tool damage or theft, or income loss due to unforeseen circumstances, various insurance policies can help you manage these risks should they arise.
Additional Insurance Options for Plumbers
Beyond public liability insurance, you may need other types of coverage to help protect your business, they include:
Tool Insurance: Protects your tools and equipment from theft or damage.
Income Protection Insurance: Provides financial support if an injury or illness prevents you from working.
Business Interruption Insurance: Compensates for lost income when you cannot operate normally due to a covered loss.
Management Liability Insurance: Protects individuals and the company against managerial risks, including employment practices liability and statutory fines and penalties.
Contract Works Insurance: Also known as Construction All Risks Insurance, it covers the project itself in the event of damage or the need for rectification work.
Commercial Vehicle Insurance: Protects the vehicles essential to your operations.
Cyber Insurance: Protects your business from the financial ramifications of cyber attacks, such as scams, hacking, ransomware and more.
Property Insurance: Protects your commercial property in the case of theft or damages.
Trade Credit Insurance: Protects your business from the financial impact of unpaid invoices.
And more: This isn’t an exhaustive list, so check in with your insurer or broker for more individualised information based on your business and needs.
Why Choose Broad Risk for Your Plumbing Insurance?
Finding affordable public liability insurance for plumbers is becoming more difficult. Many insurers are increasing premiums or refusing cover due to rising claims in the industry.
Broad Risk can help you find insurance for hard-to-place plumbing risks, giving you options that suit your business and budget.
Email us today to discuss your plumbing insurance needs.
The Broad Risk Difference
Our client centred approach focuses on supplying our clients with reliable and consistent communication and service throughout the entirety of our relationship.
When you join Broad Risk, you can depend on:
Same-day responses: our service level agreements prioritises same-day responses to ensure you receive a reliable, ongoing service.
Consistency: we build long-lasting relationships with our clients, providing reliability with the guarantee of no account manager hopping.
Clear communication: we value transparency and always reflect this in our communication and service.
Expert, tailored advice: no two businesses are the same, so we tailor our expert advice to your business and its needs.
Competitive rates: we provide competitive rates without compromising on coverage.
Get a Public Liability Insurance Quote Today
At Broad Risk Insurance Brokers, we have experience in sourcing insurance for plumbers, helping you get the right coverage for your business. Whether you’re a sole trader or run a larger plumbing business, we can tailor a policy to meet your needs.
Looking to strengthen your protection beyond public liability? We can also arrange professional indemnity insurance and complete business insurance for plumbers. Each policy works together to safeguard your tools, assets and reputation.
Email us today for a free quote and expert advice.
Disclaimer: The information and advice provided by Broad Risk Insurance Brokers is general in nature and does not take into account your individual objectives, financial situation or needs.
You should consider whether the advice is appropriate for you and read the relevant Product Disclosure Statement (PDS), policy wording, and Target Market Determination (TMD) before making any decision about purchasing, renewing, or cancelling an insurance policy.
If you require personalised advice that considers your specific circumstances, we recommend speaking with one of our qualified insurance brokers.
For more information on our services or how to get started, please contact us at warren@broadrisk.com.au or visit our website at www.broadrisk.com.au.
The Broad Risk Difference
"You First" Principle
Your business comes first. We align our services with your values and needs, providing expert advice and insurance protection that allows you to focus on what matters most—growing your business with peace of mind.
Accountability
We take full responsibility for the services and recommendations we provide. Every action is designed to deliver results, fostering trusted, long-term relationships with our clients. Your satisfaction and security are at the forefront of everything we do.
Expert Solutions
With over 15 years of experience, we specialise in delivering tailored advice and solutions to protect your business. We customise our offerings to your unique needs, ensuring comprehensive coverage and peace of mind.
Frequently Asked Questions
1. Is public liability insurance mandatory for plumbers in Australia?
Typically, many states, councils, and clients require plumbers to have public liability insurance to operate. It’s best to check with your regulating body or a professional.
2. How much public liability insurance do plumbers need?
Coverage requirements vary, so it’s best to speak with your insurance broker to discuss coverage specific to your needs.
3. Will my insurance cover subcontractors working for me?
Some policies may cover subcontractors, but many require them to have their own insurance. Check with your insurer or broker for specific details.
4. Can I bundle different types of insurance for my plumbing business?
Yes! Call us if you’d like to discuss your insurance options.
5. Do plumbers need professional indemnity insurance?
Yes, but it depends on the work you do. If you’re a plumber who provides advice, designs systems, issues compliance certificates or signs off on work, then professional indemnity insurance (PI) is highly advisable.
PI covers you when a client claims you’ve caused a financial loss through a negligent act or error, something that regular public liability plumbers insurance won’t cover.
6. What insurance do plumbers need?
The core plumbers insurance types to consider are:
Public liability insurance: protects against third-party claims for injury or property damage caused by your work.
Comprehensive insurance for plumbers: includes tool and equipment cover, business interruption, commercial vehicle cover and possibly PI if you’re giving advice. Please reach out to us for personalised recommendations.