Insurance for Victorian Plumbers
Public Liability that meets the Building Act 1993
Choose Public Liability limits up to $20m
Instant cover and proof of purchase after payment
Competitive pricing with our Price Promise
Independent feedback based on verified reviews
Compare Quotes
From multiple insurers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Cover
Delivered to your inbox
Compare Quotes
From multiple insurers
Save Time
Buy online in minutes
Save Money
Switch and save
Instant Cover
Delivered to your inbox
Compare quotes from our trusted insurance partners:
On this page:
What is insurance for Victorian plumbers?
Insurance for Victorian plumbers helps protect plumbing and gas fitting businesses from the financial cost of everyday risks, such as client property damage and injury, professional negligence claims, and damaged equipment.
Plumbers and gas fitters provide essential building services that also come with unique risk. Business insurance can help protect your business by paying legal costs and other unexpected expenses.
Victorian plumbers and gas fitters must also meet Public Liability insurance requirements set by legislation and enforced by the Building and Plumbing Commission (BPC; formally the Victorian Building Authority).
BizCover offers tailored insurance that meets BPC requirements for licensed plumbers in Victoria, including Business Insurance Packages that automatically include Public and Products Liability cover.
Why do Victorian plumbers need insurance?
Licensed plumbers must have Public Liability insurance to work in Victoria. This cover is also commonly required to enter jobsites and work as a contractor. Other types of business insurance can help plumbers cover unexpected bills, such as replacing lost or damaged equipment and stock or replacing income if you are unable to work due to an injury.
Receive or renew a plumbing license.
Enter a jobsite.
Work as a contractor or sub-contractor.
Replace lost income while recovering from an injury.
Replace damaged tools and stock.
Victorian plumbers’ insurance requirements
Public Liability insurance is required for plumbers in Victoria to receive or renew a plumbing license under the Building Act 1993*. Under the Act, licensed plumbers must have a minimum of $5 million in Public Liability cover for domestic and non-domestic plumbing work.
This requirement broadly applies to two categories of plumbers:
- Licensed plumbers
- Licensed plumbers (Type B Gasfitting work)
The Bulding and Plumbing Commission (BPC) will not issue a plumbing license until you have provided a Certificate of Currency.
*Public Liability that meets the Building Act 1993 requires a minimum $5 million per occurrence cover (including for completed works) in accordance with the Licensed Plumbers General Insurance Order dated 20 June 2002. See the full Ministerial Order here.
What does plumbers’ insurance cover?
Plumbers’ insurance can help your business address many common risks, depending on the cover options you choose. Tailor your policies to your business needs, and quote and buy online in minutes.
Public Liability is an industry requirement for Victorian plumbers. It covers third-party claims that your negligent business activities caused them injury or property damage. This includes defence costs cover.
Popular cover types for Victorian plumbers:
Victorian plumbers could also consider:
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 much does business insurance for Victorian plumbers cost?
Business insurance for Victorian plumbers costs $144 per month.*
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.
Flexible cover options to match your business needs
Choose Public Liability limits up to $20 million.
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
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.
Flexible cover options to match your business needs
Choose Public Liability limits up to $20 million.
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.
How It Works – Buying Online
5 easy steps to get instant cover online today
Select Profession
Pick Your Covers
Add Business Details
Compare Quotes
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
Instant policy docs to your inbox.
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.
Award-Winning Tech & People
We’re not ones to blow our own trumpet, but we are pretty proud of our innovative insurance platform, outstanding team, and stellar workplace.
See How Much Other Victorian 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
Andrew
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
Yes, licenced plumbers in Victoria must have a minimum of $5 million in Public Liability insurance to undertake domestic and non-domestic plumbing work, as required by the Building Act 1993.
No, Professional Indemnity insurance is not required for plumbers in Victoria, but it may be required if you are also registered in specific building practitioner categories. However, plumbers who provide advice or design services to clients as part of their business activities often find Professional Indemnity cover essential for their business.
Hear from our customers
Easy to use
Brad
Easy to apply
Arthur
Easy to use
Bradley
Was easy to set up
Paula
I was happy with the range of quotes, the ease of which to complete my transaction and the speediness.
Ali
Real-life customer reviews verified by Feefo