Insurance for Plumbers
Tailored cover designed for plumbing businesses and contractors
Cover that meets Victoria, Tasmania, and Northern Territory licensing requirements
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Public Liability and Tool cover
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From multiple insurers
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Buy online in minutes
Save Money
Switch and save
Instant Cover
Delivered to your inbox
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What is plumbers’ insurance?
Plumbers’ insurance is the different insurance options designed to cover everyday risks, like damage to a client’s property, damaged tools and stock, or injuries that leave you unable to work. Public Liability is the most common insurance for plumbers, as it is often a requirement for licensing and work contracts.
BizCover offers tailored plumbing insurance options to meet your occupation’s specific needs[AK1] , including Business Insurance Packages that bundle Public Liability with cover options for your tools and assets. Our Public Liability insurance also meets the Victorian Building Authority (VBA) and the Tasmania Consumer, Building and Occupational Services (CBOS) requirements. Registered certifying plumbers and drainers must have Professional Indemnity insurance to work in the Northern Territory.
Why do plumbers need insurance?
Business insurance helps plumbers cover the cost of unplanned bills, such as legal fees if you face a liability claim. It also helps plumbers adhere to the law, meet contractual requirements, and protect their business finances and assets. Public Liability insurance is required to get a plumbing license in Victoria and Tasmania. Professional Indemnity insurance is required to register as a certifying plumber and drainer (design) in the Northern Territory.
Enter a jobsite
Receive a plumbing license
Work with specific clients
Work as a contractor or sub-contractor
Replace damaged tools and equipment
Replace lost income if an injury leaves you unable to work
What does plumbers’ insurance cover?
We offer a range of policies designed to cover your business, tools and stock. Build an insurance package that meets your specific needs and buy in minutes.
Popular cover options for plumbers:
Additional cover options for plumbers:
How much does plumbers’ insurance cost?
Business insurance for plumbers costs $143 per month*.
Get cover that grows with your business
Public Liability up to $20 million, Professional Indemnity up to $10 million, and Personal Accident & Illness up to $4,000 per week.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Factors influencing cost
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Customer Average Monthly Payment Report is based on 1 July 2024 to 30 June 2025 and presented as a guide only. It may not reflect pricing for your particular business, as individual factors will apply.
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
You can select from 5 different levels of cover.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
How It Works – Buying Online
5 easy steps to get instant cover online today
Select Profession
Pick Your Covers
Add Business Details
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Get Covered Online
5 Steps to get your biz insured:
- Enter Occupation
Search & select your occupation
- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
Compare prices & select quotes
- Get Cover Today
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How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See How Much Other Plumbers Have Saved By Purchasing a Policy Through BizCover
Brendon
Plumber from
VIC
Saved
$5,000
on
Professional Indemnity and Public Liability insurance
Brett
Plumber from
VIC
Saved
$1,000
on
Public Liability insurance
^Savings made from February to August 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently Asked Questions
No, plumbers are not required by law to have Professional Indemnity insurance in Australia. However, if you provide plumbing advice or design services, then having this type of cover could be useful. It can help protect you and your business against negligence claims related to your professional services or advice.
Depending on your needs, you might consider different types of insurance to protect your plumbing business. These commonly include:
- Business Insurance Package: Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage). A Business Insurance Package can also cover your portable equipment, glass and loss of revenue due to business interruption in specified circumstances.
- Public Liability insurance: Public Liability insurance is required for plumbers working in Victoria and Tasmania. However, it is the most common type of cover chosen by plumbing contractors and subcontractors across Australia, even in states and territories where it is not required.
- Professional Indemnity insurance: Professional Indemnity insurance can help you manage negligence claims related to your professional services or advice. In some states and territories (including in the NT), a Professional Indemnity policy is required to register as a certifying plumber and drainer (design).
Yes! Portable Equipment cover (an optional part of a Business Insurance Package) can cover specified items such as tools, business equipment or electronic items, or unspecified items of lower value.
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