Like with any other trade, working as a plumber means facing risks every day. Some of these risks can include injuring yourself or a client, having your tools stolen, causing damage to someone’s property – and those are just a few. This is why it’s important to make sure you and your business are covered with plumbers insurance. At Public Liability Online, we help plumbers all over Australia find a broker who can provide a tailored policy at a competitive price and we know we can help you too. Call 1800 669 664 to get in touch with one of our friendly plumbers insurance experts today.
As a plumber, you can be exposed to hazardous substances, slip and falls on wet surfaces and even potential water damage to a client’s property or your equipment. Depending on the situation, you could be left out of pocket as a result of personal injury or illness, employee injury, third party damages or damage to your own tools and equipment. A tailored plumbers insurance policy helps protect you against the broad range of hazards that you face on the job daily.
It is important to note that in order to obtain your plumbers license in Victoria, you are required to have $5,000,000 public liability cover and $50,000 consumer protection insurance. So if you are taking out insurance as a plumber in Victoria, make sure your broker is up to speed.
Public liability insurance covers you against third party damages, third party injury and interruption f third party business as a result of your work. As a tradesman, this type of insurance is particularly handy to have.
If you or your employees produce defective work, do not follow specifications and building instructions or use a product with a defect, you could be liable for a heft compensation claim. Products liability insurance protects you against this.
Claims arising as a result of poor advice or fault designs and even project management may be covered under your plumbers professional indemnity insurance.
Your business vehicle is crucial to the day to day operation of your plumbing business. If your vehicle is damaged or stolen, commercial vehicle insurance means you can continue business as usual.
Your employees face the same risks you do. Make sure you’re covered for any claims arising from workplace related illness or injury.
Having your tools and equipment damaged or stolen can be a serious financial blow to your business, particularly if you have been in the plumbing game for a few years and have amassed an expensive collection. Tools insurance for plumbers protects your tools and equipment against a range of risks including theft, malicious damage and fire damage.
When it comes to insurance, your business finances aren’t the only thing to worry about. What would you do if you went to work tomorrow and were seriously injured or fell ill and couldn’t work for a period of time? How would you pay the bills? Income protection can replace up to 75% of your income while you are unable to work.
Your insurance premiums will depend on the risk level of your work, so make sure when speaking to a broker that you outline your business activities, so they can properly assess your requirements and tailor your policy accordingly.
When it comes to plumbers insurance in Australia, Public Liability Online connects you with brokers who care about your business and take the time to understand your specific requirements. So when you need a tailored, comprehensive plumbers insurance policy at a competitive price, call us today on 1800 669 664 to speak to one of our experts. You can also fill out the contact form on our website and we’ll get back to you typically within the hour.