Plumbing Insurance

Watertight Cover for Australia’s Plumbers


Whether you’re a sole trader working on private homes, or you run a substantial plumbing company that provides contract services to construction sites — robust plumbing insurance is crucial.

Finding the correct cover is, however, seriously challenging. Frequently changing laws, regulations, and requirements combined with specific state-based legislation can mean significant headaches and confusion when locating effective protection.

PIB is your plumbing liability insurance specialist — providing bespoke policies tailored to your particular business size, customer base, and risk spectrum. With advisors experienced in this trade field — we ensure your enterprise is defended against threats, while making certain you adhere to the necessary statutory obligations.

Don’t Run the Risk of Leaky Insurance — Speak to PIB Today

Why You Need Liability Insurance for Plumbers

Every day you work to improve, repair, and install plumbing systems and products that are crucial for homeowners, businesses, and new constructions and renovations.

While you naturally take exceptional pride in your trade, mistakes, errors, omissions, and accidents can occur. And, with the immense relentlessness and power of water and gas under pressure — these mishaps can have devastating consequences.

Applicable, individual-enterprise focused, and comprehensive — our plumbing cover offers reassuring peace of mind against the impacts of a serious claim. Not just protecting your hard work, but also ensuring the continuance of your business.

Call Us Now for a Targeted and Affordable Plumber Insurance Quote

The Insurance for Plumber Challenge

Over recent years — in part due to accelerating claim numbers within the plumbing sector — insurers began to reduce the cover delivered by trade policies.

While varying from underwriter to underwriter, these increasingly severe limitations typically included:

  • Addressing domestic work only — excluding industrial and commercial services.
  • Binding the protection to buildings with three storeys or fewer.
  • Limitations on hot work and welding.
  • Exclusion of underground services without a site survey.

Not only did this make obtaining sufficient safeguarding challenging, but also meant that when suitable protection was found — the premiums were worryingly costly. Today, the plumbing insurance market has thankfully steadied and become less volatile — yet many insurers continue with the above limitations included in their policies.

However, as respected experts in plumbers liability insurance, PIB can provide you with comprehensive protection suitable for your business risks, needs, and exposures — while ensuring reassuringly affordable shielding that doesn’t hurt your bottom line.

Get the Cover Your Plumbing Business Needs — Talk to PIB Today

Plumbers in Victoria

Although based in Sydney, PIB offers insurance cover for all states across Australia. However, Victoria has slightly stricter requirements than the others.

In this state, plumbing tradespersons and companies are required to have in place plumbers public liability insurance that incorporates warranty insurance. As cover for Victorian plumbers is both nuanced and complex, it’s crucial to have a partner that understands the intricacies and requirements of the statutory legislation.

PIB’s team of knowledgeable advisors are fully conversant with Victorian plumber insurance — ensuring that you receive the robust protection you and your business both require and deserve.

Plumber in Victoria? Chat With Us Regarding Victorian Plumbers Insurance Today

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Insurance for Plumbers Cover

At PIB, we will tailor your cover to address the inherent risks of your operation, ensure it adheres to current legislative requirements, and is suited to your business type — whether a sole trader, partnership, or company.

While policies will vary from business to business, typically they incorporate:

plumbers liability insurance

Crucial for your plumbing operation, public liability insurance shields you and your business against a customer, member of the public, or trade supplier claiming for personal injury or property damage that occurred as a result of your enterprise’s actions. Many contractors and employers will insist on you having this as minimum cover — and it’s also a statutory requirement in some states.

You may also consider general liability insurance, that combines public with product liability — safeguarding against any mishaps encountered by customers using a product supplied by you.

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Commercial Motor Cover

Whether you drive a car, minivan, ute, or truck — our commercial motor cover keeps your business moving. Focusing on the trade user, PIB’s plumbing vehicle policies take into account the characteristics of work applications — covering in many cases stock carriage, high mileage, long-running hours, and a variety of drivers. And, for businesses with more than 20 vehicles, we can also offer fleet insurance.

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Plumbing Business Property Cover

From units and warehouses to workshops and retail outlets — our plumbing commercial property insurance safeguards your most valuable assets. In addition to bricks and mortar, we can tailor policies to defend against claims for theft, building damage, natural disasters, and glass and advertising.

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Business Interruption for Plumbing Businesses

A valuable inclusion that can be the difference between the closure of your enterprise and its continuation. Business interruption insurance safeguards your plumbing enterprise should a major event damage your sales and income. Not only permitting you to address pressing day-to-day expenses, but also funding its return to profitability.

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Additional Cover Options

  • Workers compensation.
  • Fire and perils.
  • Personal disability.
  • Machinery.
  • Personal accident.
  • Tool cover.
  • Equipment insurance.

Not Sure What Cover Your Plumbing Business Needs? Speak to PIB Now

Why Choose PIB for Your Plumbing Business Insurance?

Because you don’t want to run the risk of inadequate cover.

With an in-house team of plumber insurance specialists — we can forge watertight protection suited to the particular nature of your business.

Understanding the limitations recently experienced in plumbing underwriting, we ensure your safeguarding is affordable, comprehensive, and takes into account state requirements.

Get a Rapid Plumbing Insurance Quote Today — Call Now


With PIB, you’re partnering with a significant force in the risk-protection sector.

Part of Australasia’s largest general insurance broker network — the Steadfast Group — we leverage Steadfast’s substantial scale to ensure you have access to a wide range of insurance companies, a broad scope of products, exclusive policy options, and perhaps most importantly — bottom-line-friendly competitive pricing.

And, should the unexpected happen and you need to make a claim, you will have the powerhouse backing of Steadfast behind you.

Professional Insurance Brokers is a leading specialist in custom, tailored insurance policies for individuals and businesses. Through our subsidiaries, including Unicorn Risk Services, we also have extensive experience in brokering insurance policies for the massive range of community and not-for-profit organisations that operate throughout Australia.

Insurance House Pty Ltd trading as PIB Insurance Brokers
Suite 8/5-7 Ross St, Parramatta NSW 2150
Phone: (02) 9630 8788
ABN: 33 006 500 072 | AFSL: 240954