Some key facts:
- Plumbers Liability Insurance costs more than other common trades like Electricians, Carpenters etc.
- Many insurers are now charging high water damage excess and adding the height restriction clause to the policy
- Very important to take note of the worker to worker injury excess which can be as high as $25,000.
We can organise the right insurance policy that complies with QBCC requirements
Best Insurance For Plumbers In Queensland
Knowing which insurers price plumbing businesses favourably is very important. Not all insurers treat every occupation the same way and we hear all the time from underwriters that insuring Plumbers is not on top of their agenda. They are usually avoiding plumbers by putting the premiums up.
A good broker knows where to look when it comes to finding the right insurer to cover Plumbers.
Imagine how much more you would pay if your broker was not able to find the sharpest premium.
What insurances does a plumber need in Queensland?
At a very basic level, for any business there are three main types of risks to manage:
- Liability – for causing damage to others property or causing an injury
- Property – risk of loss to your property like theft of Tradie Tools or Utes
- Personal Injury – risk of injuring yourself at a worksite
- Other risks depending on complexity of your business
Why Plumbers in Queensland Need Insurance?
As a plumber, you deal with a variety of risks daily — from property damage and injuries to equipment breakdowns. Whether you’re a sole trader, running a small plumbing business, or managing a larger team, having the right insurance is essential to safeguard your finances and reputation.
Common Risks for Plumbers
- Accidental Property Damage
Plumbing work often involves working on clients’ homes or commercial properties. A simple mistake could lead to costly repairs or replacements. - Third-Party Injuries
If a client or passerby gets injured due to your work or the equipment you use, you could be liable for medical expenses or legal claims. - Tool and Equipment Theft
Your tools are your lifeline. If they’re lost, or stolen, the cost of replacements can quickly add up and affect your business operations. - Workplace Accidents
Injuries to yourself or your employees can happen while working and without a doubt, the construction industry is a high-risk environment.
Key Insurance Policies for Plumbers in Queensland
CoverTradie can organise the best Plumbers Insurance Queensland. Let us provide you some insurance options to consider as a plumber in Queensland. Each type of coverage is designed to protect different aspects of your business.
Insurance Types
- Public Liability Insurance for Plumbers
Public Liability Insurance protects you if a third party suffers injury or property damage due to your plumbing work. Many commercial or government projects will require you to have public liability insurance before starting any work. Example: If a pipe bursts during an installation and floods a customer’s home, public liability insurance would cover the repair costs. - Tool and Equipment Insurance for plumbers
Tool Insurance helps cover the cost of replacements if your essential tools are stolen or lost.. Get back to work quickly without significant financial strain as you know things like “See Snake Cameras” etc. all cost a bit of money. We can insure them all. - Commercial Vehicle Insurance
Commercial Vehicle Insurance covers damages to your work vehicle in case of accidents, theft, or other incidents. We can easily add things like Jetter machines etc. to your ute or van insurance which mainstream insurers sometimes can’t.
Cheapest Plumbers Insurance Queensland
The Cheapest Plumbers Insurance in Queensland we have seen was for $604 for a business that wanted $5 million liability limit and had an estimated turnover of $100,000. That was a bargain premium because since then the prices seem to have moved a bit but we can get you a competitive quote very quickly.
Plumbers Insurance Queensland Cost
Plumbers Insurance Queensland cost varies a lot depending on the limit of indemnity that you seek, your turnover, the type of work you undertake etc. Small businesses can find premiums starting around $700 – $800 mark but really an accurate quote can only be provided when we provide all the details to the insurers.
We are a broker and we find you the right policy that offers the cover you require and at reasonable prices.
Best Plumbers Insurance Queensland
The Best Plumbers Insurance in Queensland is the one that is suitable for you. Different insurers have different policy conditions. What matters is has the work been done carefully and policy details checked to make sure it is going to cover you when you really need it i.e. at the time of making a claim. Let us help you find the policy suitable for you.
With CoverTradie you get
Solid Insurance Cover
Get peace of mind that you & your family are well covered
Affordable Pricing
Save money for the new ute, boat or for financial investments
Great Service
Professional insurance work, done quick and explained in plain English
Getting insurance with CoverTradie is as easy as…1,2,3
Quick Phone Call
No Forms to Complete – We do that for you
Get Your Options
We do the heavy lifting of finding the right insurance for you
Pay And You Are Done
Monthly or Annual Payment Options