Virtually all plumbers working for their own business or as a subcontractor will need public liability insurance.
In this guide we will take a look at which plumbers need this form of insurance, how much it costs and how you can benefit from it.
The first thing we’ll look at is what public liability insurance is and how it helps plumbers.
Basically public liability will cover you for property damage or personal injury that is caused by you whilst undertaking your usual business activities.
For example if you make a mistake and flood someone’s house, the cost of the damage caused can be covered by your insurance rather than coming out of your pocket.
Likewise if you were to cause a serious injury to someone through negligence, the cost of any action they take against you in court may be covered by the insurer.
Generally speaking it is any plumber who works under an ABN, which would include self-employed plumbers running their own business or working as a subcontractor.
If you are employed by someone else’s business on wages, you should be covered by the insurance held by that business.
It’s always better to be safe than sorry, so if you are unsure please speak with your employer or the company hiring your services to check whether or not you are covered by their policy.
Whilst most plumbers around Australia will only need public liability insurance for their licence, plumbers operating in Victoria will also need plumbers warranty cover included in their policy.
Not all insurance companies can provide the necessary wording required by the Victorian legislation, so if you are taking out cover make sure you ask your broker if it meets the Vic requirements.
For more information on public liability for plumbers your best option is to speak with an insurance broker who has experience in dealing with plumbers, or at least one with experience in business insurance.
By requesting a quote through our website we can match you up with a suitable broker who will be able to determine your public liability cost as well as provide you with further information.
If you would like a quote simply complete our online quote request. Alternatively you can call our office on 1300 542 245 to speak with one of our friendly staff.