Plumbers Insurance in Victoria

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As of 2024, Victoria has over 33,450 plumbers¹. This industry is experiencing steady growth as the demand for plumbing services continues to grow and workers are being up skilled. Another 9,740 plumbers expected to join the workforce by 2034¹.

The median weekly earnings for Victorian plumbers is $2,000¹.

Plumbing licence requirements in VIC

It is necessary to have relevant qualifications, such as a Certificate III of Plumbing, and meet specific requirements. These include applying for plumbing registration, completing a license exam, and providing proof of insurance.

Victoria’s Building Act 1993 states that all licensed plumbers in the state must provide evidence to the VBA that they hold the relevant insurance before the VBA will issue or renew a plumbing licence.

Plumbers in Victoria must:

Carry a minimum of $5,000,000 in coverage for any one occurrence.
Domestic plumbing work: A minimum of $50,000 in coverage for any one claim or series of claims related to a compliance certificate.
Non-domestic plumbing work: A minimum of $100,000 in coverage for any one claim or series of claims related to a compliance certificate.

What types of insurance do VIC plumbers consider?

Public Liability insurance

Plumbers in Victoria are required to have Public Liability insurance to protect against third-party property damage and injury claims caused by their business activities. BizCover offers flexible cover options from $5 million to $20 million that can meet VBA requirements.

Professional Indemnity insurance

Plumbers providing design, consulting or certification services may need Professional Indemnity insurance. It provides protection against claims of negligence and a range of professional errors.

Portable Equipment insurance

A plumber’s tools are crucial to getting their work done safely and efficiently. Portable Equipment insurance covers damage, loss or theft of essential plumbing tools and equipment.

Personal Accident & Illness insurance

Self-employed plumbers and sole traders generally do not qualify for workers’ compensation schemes. Personal Accident & Illness insurance could help you replace lost income in the event that an injury or illness leaves you unable to work for an extended period.

How much does plumbers’ insurance cost in Victoria?

The average cost of insurance for plumbers in Victoria is $144 per month* with BizCover.

However, premiums can vary based on factors like business size, services offered and chosen cover limits. A great way to know how much you’ll pay is to compare multiple quotes from selected leading Australian insurers with BizCover.

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_{1. VIC.gov.au, Plumber, accessed 16 April 2024}

^{*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.}

^{This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the PDS or policy wording.}