Insurance for Plumbers

Why do plumbers need insurance?

Accidents happen, even to the most careful plumbers. That’s where business insurance comes in.

Plumbers’ insurance (shorthand for the many types of insurance for residential and commercial plumbers you might consider) helps protect your plumbing business against a variety of risks—from mistakes in your work and property damage to lost tools and business interruptions.

What insurance do plumbers need?

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

A lawsuit could drain your finances and drown your business reputation. 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).

Business Insurance

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.  In addition, cover is available for public liability, tax audit, employment practices and statutory liability risks.

How much does insurance for plumbers’ cost?

BizCover helped over 3,900 plumbers protect their small businesses in 2024. Plumbers pay an average of $158.92 per month for their insurance with us, but over 71% pay less than $130 per month†. 

However, the cost of plumbing insurance can vary. Insurers take many factors into account to calculate insurance premiums, like the plumbing services you provide, how many people are covered by a policy, and the types of cover you choose, just to name a few. 

Arranging your business insurance doesn’t need to be draining. At BizCover, we take the annoyance out of organizing your insurance by providing hassle-free quotes from multiple insurers—online and in minutes.