Plumbers Liability Insurance

  • Public Liability and Portable Equipment cover
  • Trusted by over 150,000 small businesses
  • Pay by the month option & policy documents emailed instantly

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... 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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... 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

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What does Public Liability Insurance cover?

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Public Liability Insurance VIC PPC

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Public Liability Insurance QLD

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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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Management Liability Insurance

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How much Public Liability insurance do I need?

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How much does Public Liability Insurance Cost?

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Cyber Liability Insurance

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Information Technology Liability Insurance

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What is 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. I f you operate as a sole trader, you will potentially ...

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Public Liability Insurance QLD

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Public Liability Insurance NSW

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Allied Health Combined Liability Insurance

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Public Liability Insurance In Brisbane

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Public Liability Insurance In Adelaide

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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 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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... arise out of the services performed for a client. Who is covered under an IT Liability Policy? An IT Liability insurance policy typically will cover the following: The entity, including any subsidiaries (held or acquired ...

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Business Insurance on the Central Coast

... Coast pay around  $ 68.66 a month **for a  Business insurance policy. Public Liability insurance is one of the most popular types of insurance for businesses. In fact, it is arguably important for almost every kind ...

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Professional Indemnity Insurance for Consultants

... example, at some point you may want to add business insurance or public liability insurance for your own protection. When you buy a Professional Indemnity insurance policy, it usually is a good idea to look around until ...

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Public Liability

... and members of the public on a regular basis, then you may need to consider Public Liability insurance. The chance of Public Liability insurance claim can be hard to predict, but if it were to occur, the costs to your ...

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Statutory Liability*

What’s covered & what’s not Things to consider Back to Business Insurance Statutory Liability* Statutory Liability insurance covers the company, senior management and employees for allegations of wrongful breaches of key ...

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Public Liability PPC

... you can protect your business against claims that are made for personal injury or property damage. Public Liability Insurance does just that. It covers the expense of legal and defence costs; court attendance costs; and ...

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Understanding business insurance for bookkeepers

... online, means there's a real risk of a privacy breach if a cyber attack were to occur. Cyber Liability insurance* is designed to help protect you from claims and support your profitability in the event of a cyber breach ...

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Insurance for Handymen

... ; you knock over your client's expensive antique vase - the list of potential mishaps can go on! Public Liability insurance is designed to cover legal fees and compensation costs if a customer, member of the public or a ...

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Reviews related to Plumbers Liability Insurance

  • A very simple process.

    Karl S
    Plumber/Plumbing and Gas Services

  • Easy

    Tom G
    Plumber/Plumbing and Gas Services

  • easy and effective

    Christopher P
    Plumber/Plumbing and Gas Services

  • easy site to use :)

    Luke B
    Plumber/Plumbing and Gas Services

  • easy to use and very helpful, Thanks

    Scott G
    Plumber/Plumbing and Gas Services

  • Great

    Neil G
    Plumber/Plumbing and Gas Services

  • Great

    Allan Y
    Plumber/Plumbing and Gas Services

  • Great

    Ben F
    Plumber/Plumbing and Gas Services

  • Quick , easy market comparison with plenty of options.

    James K
    Plumber/Plumbing - Domestic

  • thank you

    Tahlia P
    Plumber/Plumbing and Gas Services

  • Very good

    Mohamed M
    Plumber/Plumbing and Gas Services

  • was quick and clean and that is what we need in our busy world. Thanks heaps

    Garry E
    Plumber/Plumbing and Gas Services

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M McIntosh
    Trades & Services

  • Great Price on my Liability insurance

    James M
    Trades & Services

  • Compare the market were quick to respond to my enquiry, were extremely helpful, took the time out to understand what I needed and came back with some quotes very quickly. They helped me understand what insurance would be best for me and were extremely kno

    Sarah W Woodland
    Trades & Services

  • Easy no fuss way to purchase insurance

    Heath W Wheeler
    Trades & Services

  • Thanks insurance made simple

    Phillip A
    Trades & Services

  • unbelievable savings truly amazing the difference in the insurance costs thank you biz cover i will be recommending you to all my fellow business owners regards Palew Constructions

    Richard A
    Trades & Services

  • Easy very fast and efficient, 1st timer on public liability insurance

    Les K
    Door Or Window Wholesaling

  • I have never purchased public liability insurance so I had no idea about anything. I rang Biz cover and spoke to Patrick who was super helpful and explained everything to me in a simple way that was easy to understand, I believe that I have also received

    Simona F
    Kitchen / Bedroom / Bathroom Furniture Manufacture & Installation

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M
    Food wholesaling nec

  • very easy to get my public liability insurance done within minutes!! Thanks.

    Troy M
    Landscape Construction

What is insurance for tradesmen?

Whether you’re a carpenter, a handyman or a plumber, things like accidentally inuring 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?

We won’t bore you with jargon

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

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 paperwork required

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

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?

* 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.

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