Public liability, tools and contract works cover options for plumbing businesses across Australia. Talk to a specialist trade insurance broker.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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Plumbing work happens inside occupied homes and businesses, which means the cost of a mistake (a burst fitting, a slow leak behind a wall, a gas line issue) often shows up well after you’ve left the job. Sol Insurance Brokers can help you explore cover options built around that reality, rather than a generic trade template.
01
Protects your business against claims for personal injury or property damage arising from your work or products, including claims that arise after a job has been completed.
02
Cover for the tools, equipment and mobile plant you rely on to operate your business, including risks such as theft and accidental damage, subject to policy terms.
03
Cover for utes, vans, trucks and trailers used in your plumbing business, with fleet options available where appropriate.
05
Helps protect business income and ongoing expenses following an insured event that prevents or limits your ability to operate.
Depending on your business and circumstances, additional covers may include, but are not limited to, Personal Accident & Illness, Workers Compensation, Cyber Insurance and Management Liability, where relevant and subject to policy terms, conditions and exclusions.
Water damage from a failed fitting or joint, sometimes discovered weeks later
Gasfitting-related incidents
Working inside occupied homes and businesses, including after-hours emergency callouts
Contract works exposure on renovations where plumbing is mid-installation
Tool theft from vehicles
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
This is a common scenario for plumbers, and it’s the kind of exposure public and products liability is designed around — claims can arise after a job is completed. We’ll make sure your policy structure reflects this rather than only considering the moment you’re on site, subject to policy terms, conditions and exclusions.
Gasfitting can carry a different risk profile to general plumbing. Tell us your full scope of work and we’ll confirm whether your policy accurately reflects it, as cover can vary between insurers.
Tools, equipment and plant cover can include theft and accidental damage, often including tools kept in a locked vehicle. Conditions such as security requirements may apply, so we’ll confirm the exact terms for how you store and transport your gear.
Cover can often be extended across your employees, depending on the policy. Let us know your team structure and we’ll discuss the options that may be relevant.
Builders and principal contractors commonly ask for evidence of public liability, and sometimes other covers, before you start on site. Share their requirements with us and we’ll help you arrange appropriate documentation where your policy responds.
It may be relevant if you provide design or advisory work, such as drainage or stormwater planning, where an error could cause a financial loss rather than physical damage. We can talk through whether it suits your work mix.
Tell us a bit about your business and one of our brokers will be in touch.
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