Plumbers Liability Insurance

  • Public Liability and Portable Equipment cover
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Insurance for Tradesmen

... from our trusted insurance partners*: Public Liability Insurance cost for Tradesmen Insurance for Tradies What is insurance for tradesmen? Whether you're a carpenter, a handyman or a plumber, things like accidentally ...

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Sole Trader Insurance

... a result of your negligent business activities. Commercial landlords typically require that their tenants have Public Liability insurance. If you rent an office or other workspace, you'll probably be asked to show proof ...

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Insurance for Plumbers

... Authority website . What types of insurance do plumbers typically need? Public Liability Insurance* One of the first types of business insurance to consider is Public Liability insurance *. It is designed to provide ...

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Do I Need Public Liability insurance?

... insurance is generally a mandatory requirement for some trades when you operate under a state issued license, for example builders, plumbers ... Public Liability insurance? If you don't have Public Liability insurance, you ...

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Insurance for Victorian Plumbers

... to consider. Here are a few of the more common ones: Public Liability Insurance* It's one of the fundamental types of business insurance plumbers need to consider and is designed to provide protection for you and your ...

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Business Insurance

... Professionals Pizza Shops Plasterers Plumbers Plumbers - VIC Professionals ... care that each cover seeks to provide protection for. Public Liability insurance* is designed to provide protection for you and your business ...

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How to become a licensed plumber in Australia

... or renew a plumbing license. In fact, it is an offence to work as a licensed plumber without plumbers insurance cover in the required areas. In Victoria, homeowners and renovators are protected from faulty building and ...

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How to get a NSW plumbing licence

... you want to do will help you plot out your plumbing training plan. Whatever type of plumber you decide to become, plumbers' insurance is a must once you complete your training. There are four types of plumbing licences ...

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A Plumbers Workplace Health and Safety Guide

... quicker than a turn of a spanner. Visit our dedicated insurance for Victorian plumbers page for all you need to know about plumbers insurance for licensed plumbers. Or give us a bell on 1300 920 864 to see how we ...

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How to get a plumbing apprenticeship

... risk with business insurance. Some types of business insurance that plumbers may consider include: Public Liability insurance Professional Indemnity insurance and Business Insurance . BizCover helps plumbers reduce their ...

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How to start a plumbing business

... is a quick guide to some of the typical types of insurance you may need to consider as a plumber. Public Liability insurance*- Public Liability insurance is designed to provide protection for you and your business in ...

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What are different plumbing services?

... plumbing trade. Let's examine the five main types of plumbers and what types of plumbing jobs they work on. 1. ... should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and ...

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Prevent tool theft with these top tips

... the best of your ability. Whether you're a sparky or a plumber , you value your tools and that's why it's important to ... can take to keep them safe. Getting your tool insurance sorted is the next step you can take to help ...

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6 ways to save money on tradie insurance

... Several forms of business insurance, including Public Liability , have pricing that ... insurance premiums is the work that you do. This is more than your specific trade; it's the work you do within it. For example, a plumber ...

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A guide to choosing the right trade business

... going to work best for you. From carpenters to plumbers, landscaper to cabinet makers and many more, there ... Liability insurance , Tool cover (also known as Portable Equipment cover ) Personal Accident and Illness insurance ...

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How to get an electrical licence in NSW

... and on the job experience as specified to work as a plumber in NSW? You are not a debtor to NSW Fair Trading ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...

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How to become a pro handyman in Australia

... can run into the thousands. Luckily, Public Liability insurance is there to cover legal fees and compensation ... you need to know everything that, say, a licensed plumber or licensed electrician It's important to note that ...

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How to get a NSW trade licence

... you want to become a licensed builder in NSW, gain your NSW plumber licence , or pursue a more niche trade, read on to ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...

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Top 6 on-demand handyman services in Australia

... insurance such as Public Liability Insurance , Business Insurance , and Personal Accident and Illness insurance ... subcontracting part of the work to a qualified plumber. Recommended reading: 5 Types of Plumbing Services ...

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How to become a good and qualified tradie

... pursuing a career as a carpenter , an electrician , a plumber , or any number of other trades, your career may expose ... not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions ...

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13 easy marketing tips to grow your trade business

... from simple ongoing relationships (such as a preferred plumber working with a builder on their projects), to ... saving you money). Find out what types of business insurance can help reduce the risks for your tradie business ...

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9 management tips for plumbing businesses

... and your business could be in strife. Fortunately, plumbers insurance has a variety of covers that safeguard you from risk. From Public Liability insurance and Portable Equipment cover to Personal Accident policies , ...

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Tips for Making a Stress-Free Claim

... policy covers you for, jump on the phone to your insurance agency. Having a chat to a real-life consultant will ... items. If you require emergency repairs (e.g. plumbers, electricians) before you lodge your claim, make sure ...

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Tools of Trade Insurance – The definitive guide

... to do their job, which means that tool insurance* for tradies from a reputable business insurance provider can be very important. Whether you're a carpenter , an electrician , a plumber , a landscaper, a painter , or one ...

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What does Public Liability Insurance cover?

... very expensive (the example above could easily cost well over $ 50 , 000 ) , and not having Public Liability insurance means you could well end up paying for the claim straight from your back pocket . Bear in mind that ...

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Public Liability Insurance VIC PPC

... Cost What's included & what's not? Get the right cover FAQ's Here's the lowdown on Public Liability insurance* As a small business owner you already have lots to worry about. From paying your employees to getting stock ...

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Public Liability Insurance NSW

... ! The last thing you want to think about is paying for unexpected accidents - they do happen! Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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Public Liability Insurance WA

... last thing you want to think about is paying for unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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Cyber Liability Insurance

... & what's not? Get the right cover Could this happen to you? What is Cyber Liability Insurance? Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a ...

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Information Technology Liability Insurance

... is a combined policy that offers the protection of both Professional Indemnity and Public and Products Liability insurances*. It's designed to give you peace of mind, addressing the potential overlap of the professional ...

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Public Liability Insurance NSW

... exposure to potential risks, so there isn't a standard price for Public Liability insurance. The most accurate way to find out how much Public Liability insurance is going to cost your NSW business is by having a chat to ...

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Public Liability Insurance Scenario

... story might have been avoided altogether in just a few minutes online. What Janine needed was public liability insurance or insurance that protects you and your business from being found liable to a third party for loss ...

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Public Liability Insurance QLD

... ! The last thing you want to think about is for unexpected accidents - but they do happen. Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a ...

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How much Public Liability insurance do I need?

... up to you. Many business contracts will include a minimum amount of Public Liability insurance to be in place -stipulating the amount of Public Liability insurance you are required to have to comply with the terms of the ...

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How much does Public Liability Insurance Cost?

... will apply.  Get a hassle-free quote for your business here. Given the various industries and occupations Public Liability insurance can cover, also means the cost of it can vary greatly. This is due to a number of ...

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Allied Health Combined Liability Insurance

... . For many allied health professionals, holding a Professional Indemnity policy is a registration requirement Public Liability Insurance Regardless of whether you work from your own practice or out and about, when you're ...

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Public Liability Insurance In Rockhampton

... to provide the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer ...

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Public Liability Insurance In Port Macquarie

... in Port Macquarie pay $26.30 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance In Perth

... businesses in Perth pay $33.80 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance In Mandurah

... businesses in Mandurah pay $28 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance In Hobart

... businesses in Hobart around $29.30 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance In Darwin

... in Darwin pay around $30.80 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance In Brisbane

... to provide the financial protection your business deserves. W hat does P ublic L iability insurance cover ? Public Liability insurance covers claims for personal injury suffered by a third party (such as a customer ...

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Public Liability Insurance In Adelaide

... in Adelaide pay around $37.50 **per month for a Public Liability insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is likely to be very important ...

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Public Liability Insurance Explained

... result of a claim. For some types of businesses, it may also be a legal requirement to have Public Liability insurance in place before starting on the job. Sometimes a specific minimum level of cover may be specified, so ...

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Management Liability Insurance

... *: What's included & what's not? Get the right cover Could this happen to you? What is Management Liability Insurance?* Everyone loves a surprise, except when you are a company director. If you own or are involved in the ...

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Legal Requirement for Public Liability Insurance

... your business and as such is advisable to have public liability insurance. Legal Requirement for Public Liability Insurance Although public liability insurance is not a statutory requirement, most small to medium sized ...

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Public Liability Insurance in QLD

... size of your business (annual revenue), and the amount of cover you require. When you compare Public Liability insurance from different insurers, you can get a clearer idea of how much cover will cost for your business ...

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Does Public Liability insurance cover employees?

... covered for? If you didn't, then you may have made some assumptions about what your Public Liability insurance covers. Some small business owners may believe that PL covers their employees if their injuries are caused ...

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Public Liability Insurance for Cabinet Makers

... not only gives you peace of mind knowing that there is protection in place for when disaster strikes, Public Liability insurance may also be a requirement if you are working under a contract or as a condition of entry to ...

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Product Liability Insurance

... injury or property damage as a result of a product defect can be expensive, and without the right Product Liability insurance you could find yourself in hot water. If you operate as a sole trader, you will potentially be ...

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Reviews related to Plumbers Liability Insurance

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What is insurance for tradesmen?

Whether you’re a carpenter, a handyman or a plumber, things like accidentally injuring or damaging a third-parties property or getting your tools stolen are real risks that tradies face every day. Business insurance for tradesmen is designed to give your tradie business the protection it needs and peace of mind knowing that you have a safeguard in place when things don’t stick to the blueprint.

Why do Tradesmen need insurance?

The reality is as a tradie you are exposed to different kinds of risks, making it vital to look at the various types of business insurance options available and how they can protect your business. These are some examples of when business insurance can help:

  • Protection against claims from third parties for accidental personal injury or damage to their property
  • Protection for your tools of trade in case they are lost, stolen or damaged
  • Certain types of business insurances may be required when taking on a contract
  • Financial protection in the event you are faced with a claim

 

Don’t be a ‘hero’ and rock up to your next job without your insurance. With BizCover you can get multiple competitive quotes from some of Australia’s leading insurers online quicker than you can say “smoko” and grab yourself a feed from the tuck shop!

Did you know?

Your Public Liability policy covers you anywhere in Australia, so you can work your trade magic anywhere from Brisbane to Balmain!

What insurances should tradesmen consider?

There are a few types of business insurances you may need to consider as a tradie. This is a snapshot of a few:

Public Liability Insurance

Public Liability insurance may be a requirement for tradies well before you step foot on site and is one of the important types of cover you may need to look at.

Even if you can talk your way out of a pile of rubble, you’re not going to be able to talk your way out of a Public Liability claim.  Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.

Consider the possible personal injury claims from trip hazards created by your work activities or the risk of property damage claims – what about if you dropped a hammer and cracked some tiles? What if you forgot to turn the power mains off and electrocuted someone?

A personal injury and property damage claim could have a huge impact on your business, not only financially, but also to your company’s reputation.

If you’re working as a contractor, you should also consider your contractual obligations to carry a minimum amount of Public Liability insurance.  You may also be required to hold Public Liability insurance if you are a member of a particular trade association.

What is typically included?

Compensation for:

  • personal injury suffered by a third party (e.g. a customer, supplier or member of the public)
  • damage to property owned by a third party due to your negligent business activities
  • legal and defence costs associated with a covered claim

 

What is typically not covered?

  • Injuries to your employees
  • Damage to your own property
  • Costs of rectifying faulty workmanship
  • Professional negligence
  • Contractual liability
  • Events occurring before or after the policy period

Business Insurance

Your tools of trade and other business assets help you get the job done, so consider protecting them with coverage options like Portable Equipment* and Contents*

Insuring your tools, and your business against an instance when you have to down tools will ensure you still have a business,

Portable Equipment* – it’s likely you’ve accumulated a lot of tools over several years of work. If they were lost or stolen could you turn up to work the next morning and keep working? She’ll be apples with Portable Equipment cover – it insures items such as tools, business equipment or electronic items.

Professional Indemnity insurance

If you are an electrician, plumber of carpenter, sharing your tradie pearls of wisdom to your clients could lead to a potential claim if things don’t exactly go to plan and an accidental error occurs.

There’s no doubt you know your stuff when it comes to all things tradie, and if you are an electrician, plumber of carpenter  client’s may often seek out your advice on certain things. But did you know that if your advice causes them a financial loss you could be held responsible? That’s where Professional Indemnity insurance can provide a helping hand.

Professional Indemnity insurance covers you for losses claimed by a third party and defence costs due to alleged or actual negligence in your professional services or advice.

Personal Accident & Illness Insurance

Working as a tradie you rely on being physically fit to your business going and getting the job done, so if accident or illness were to strike you need to think of Plan B to help provide an income while you’re off recovering.

As a tradie you need to be fit and healthy to bring in the dough – but have you stopped to think about how you would keep on paying the bills if you were to injure yourself or fall ill and had to take time off work to recover? Accidents can happen anywhere, anytime. It could be at work or even on your own time; whether you are doing a bit of DIY around the house or playing a game of backyard footy on the weekend.

Personal Accident and Illness Insurance provides levels of cover for loss of income, permanent disablement and even death if you are unable to work as a result of an injury or illness.

Product Liability insurance

If your tradie business starts selling products, you may need Product Liability insurance to protect from claims from third parties for property damage or injury.

Tax Audit

If your tradie business is investigated by the ATO it can be a stressful and time-consuming event. It’s a hassle and worry that you don’t need hanging over your head, and that’s where Tax Audit insurance can make things less stressful.

If your accounts are audited by the ATO, you may need to hire external professionals, like an accountant to assist in the process. Tax Audit Insurance covers a business for specified costs in responding to an official tax audit.

An unwanted trade

A tradie working on a commercial building locked up his tools before leaving the worksite at the end of the day. The next morning when the site was opened his tools were nowhere to be seen. A double whammy – no tools and potentially a contractual penalty for delaying the work. The insured’s claim was dealt with quickly and he was able to replace his tools in time to avoid all penalties.

Why choose BizCover for your tradesmen insurance?

BizCover - No Jargons

We won’t bore you with jargon

We’re not fans of complicated insurance speak, so we talk to you in plain English.

BizCover - Built for Small Businesses

Cover to match your needs

You can tailor policies from selected Australian insurers to suit the needs of your business, and we are there to help!

No paperless

No paperwork required

We don’t believe in mountains of forms and paperwork, just online insurance made easy!

BizCover - Real People

Real people adding real value

Our friendly service team is on hand and on a mission to make you smile!

What kind of tradesmen need business insurance?

These are just some examples of the type of trades industry’s which need to consider business insurance to protect their business:

Tradesman insurance covers a broad range of modalities, including:

  • Carpenters & Woodworkers
  • Electricians
  • Handymen
  • Plumbers
  • Concreters
  • Garden & Lawn Maintenance
  • Painters
  • Bricklayers
  • Lawn Mowing Service
  • Tilers

How much does insurance cost for tradesmen?

Every tradie is different with their own unique features and types of potential risks. There isn’t a one-price fits all kind of tradie insurance policy, the pricing is dependent on your individual factors and circumstances.

These factors can be things like:

  • Your claim history
  • The type of business operations you perform
  • Your annual turnover
  • The number of staff
  • Level of cover
  • Claims history

 

To receive an accurate idea of how much business insurance will cost for your tradie business have a chat to our friendly team to get a quote.

Frequently Asked Questions

Certain types of business insurance like Public Liability insurance may be a requirement before you can work on a job. It is always important to check your contract or agreement to see if a minimum level of cover is also stipulated.

If you rent your business premises, Public Liability and even Glass cover may be outlined as a requirement of your rental agreement by your landlord.

Just like any other self-employed business, insurance is something which you should consider as part of your business plan to help you stay in the tradie game for the long haul. While some types of insurance may be a requirement, there are a variety of coverage options designed to protect the things that matter most to your tradie business.

Just like the cost of business insurance, there isn’t a blanket cover for all tradies. However, there are a few factors that you can keep in mind when trying to calculate your level of cover. For example:

  • The size of the jobs that you are working on. The higher the cost, the higher risk and you may want to look at increasing your Public Liability insurance accordingly
  • Is there a minimum amount of cover stipulated in your contract?

Prefer to talk?

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* This information is a general guide only and does not take into account your objectives, financial situation or needs.  As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.