Plumbers Insurance for Small Businesses

Managing a plumbing business means overseeing tools, teams, and timelines, often across multiple sites. A Business Package insurance policy brings key covers together under one streamlined program, reducing administrative overhead while ensuring comprehensive protection.

Your Business Package insurance can be structured to include:

• General Property cover for tools, diagnostic equipment, and hired plant
• Public and Products Liability with increased limits to meet contract requirements
• Property cover for fire, storm, or impact damage affecting your depot, storage facility, or workshop
• Theft and vandalism cover for tools secured on site, in vehicles, or in transit
• Business Interruption Insurance to assist with lost revenue following an insured event
• Transit cover for materials, equipment, and fittings moved between sites

As your operations scale, you need a policy structure that can grow with your business. Instead of managing the complexity of multiple standalone covers, let All Trades Cover help.

We will build a tailored plumbing business insurance package that:

• Grows with your company
• Meets your specific operational needs
• Satisfies all compliance requirements

If your plumbing business provides reports, technical advice, or sign-off documentation, Professional Indemnity insurance plays a critical role in your risk strategy.

This cover helps protect your business against claims of financial loss resulting from advice, documentation, or certification, even if the workmanship itself was not in question.

You may require this cover if your scope of work includes:

• Preparing plumbing compliance reports or issuing certificates
• Signing off on installations or inspections for councils, builders, or head contractors
• Advising on site drainage, water pressure, system design, or infrastructure compliance

This form of cover is often mandated for plumbing contractors working on government tenders, infrastructure projects, or commercial developments where documentation carries legal or financial weight.

When your business is responsible for delivering fixed-scope plumbing works, whether installations, fit-offs, or complete system upgrades, Contract Works insurance provides vital protection while the project is still underway.

This cover protects your materials, tools, and in-progress work against unforeseen events before handover, helping to reduce exposure on jobs where you’re contractually liable for timely and defect-free delivery.

You may need Contract Works insurance if you’re managing:

• Fixed-price or staged commercial plumbing contracts
• Installations that span multiple trades or construction phases
• Projects where you’re responsible for site materials before completion

Typical inclusions:

• Cover for plumbing work and materials during construction
• Theft, storm damage, fire, and vandalism while the job is in progress
• Annual or project-specific policies, depending on your workload and delivery model

Contract Works is commonly required as part of a broader plumbing contractor insurance program, especially on high-value projects such as multi-unit developments, commercial fit-outs, hot water system installations, and industrial or civil works like sewer upgrades, fire mains, stormwater, or water supply infrastructure.

If you’re unsure whether it applies to your scope, we’ll review your contract exposure and recommend the right structure for your business.

General Property Insurance, also known as Tools and Equipment Cover, protects the physical assets your plumbing business relies on to keep jobs moving. This includes power tools, diagnostic gear, and equipment stored in vehicles, trailers, or on-site.

This cover is essential for plumbing businesses with mobile crews, high-value tools, and ongoing exposure to theft, damage, or loss across multiple locations.

What’s typically covered:

• Power tools, hand tools, and diagnostic or testing equipment
• Pipe locators, drain cameras, pressure testers, and other specialised gear
• Items stored in utes, trailers, site sheds, or other work-related locations
• Optional extensions for open-air theft, remote site coverage, or higher-value items
• Optional cover for hired or leased equipment

If your business employs staff, Workers Compensation insurance is a statutory requirement in every state and territory where work is performed. For plumbing businesses working across high-risk scopes like excavation, trenching, and confined space entry, compliance isn’t optional; it’s critical.

Managing these obligations becomes more complex when you’re coordinating apprentices, engaging subcontractors, or working under fixed-price contracts with principal contractors. 

All Trades Cover manages Workers Compensation policies for WA-based plumbing businesses, and we can assist with NT placements if required. For other states, we’ll provide guidance on where to source cover and how to meet your obligations.

Here’s how we support you:

• Set up your Workers Compensation policy in Western Australia, and assist with placements or advice across other states
• Ensure correct worker classification for employees, apprentices, labour-hire, and subcontractors
• Add Principal’s Indemnity if your project or contract conditions require it
• Manage wage estimates, working director cover, and annual declarations
• Provide claims support, including incident reporting advice and lodgement assistance
• Handle all related paperwork, including forms, supporting documentation, and correspondence
• Liaise with insurers around return-to-work programs, rehabilitation plans, and light-duty arrangements
• Track treatment progress, medical reports, and liability decisions to avoid administrative gaps

If your premiums have increased due to past claims, we can also:

• Review your claims history and identify patterns or underlying causes
• Advocate for better rates based on staffing changes or updated safety practices
• Develop a plan to reduce your premium rate over time

Even if your claims history is clean, we work on your behalf to:

• Negotiate with the insurer to secure competitive premiums
• Ensure the policy setup reflects your current operations and workforce structure

Whether you operate with a single apprentice or a growing team across multiple projects, we’ll keep your business compliant and properly protected, with support that’s responsive, reliable, and built around how plumbing businesses actually run.

Contractor Plant and Machinery insurance protects the specialised equipment your business relies on to complete excavation, drainage, and large-scale plumbing works. 

Whether the machinery is owned, leased, or hired for a specific project, this cover provides financial protection against theft, accidental damage, breakdown, and transit-related losses.

For plumbing contractors using excavators, trenchers, vacuum units, skid steers, and directional drilling equipment, having the right cover in place helps reduce downtime and ensures your gear can be repaired or replaced without disrupting project delivery.

Your insurance policy coverage can include:

• Registered or unregistered machinery and plant that you own
• Hired or leased equipment for short-term or ongoing use
• Wet or dry hire arrangements, with or without an operator
• Accidental damage, fire, theft, and malicious damage
• Mechanical breakdown and recovery costs
• Road risk and Public Liability if machinery is moved between sites
• Finance gap cover if the plant is under a lease or commercial loan
• Flexible fleet updates when equipment is added or removed

If your business depends on plant and machinery to deliver contracted works, we’ll help you structure the right level of protection, ensuring minimal disruption and fast recovery if something goes wrong on site or in transit.

If your business relies on vehicles to move between job sites, whether towing trailers, transporting tools, or supporting crews, Commercial Motor insurance provides essential protection for your fleet and mobile assets.

This cover can be structured to match how your vehicles operate in the field, ensuring you’re protected on the road, on site, and throughout your day-to-day workflow.

Commercial motor insurance policies can include:

• Coverage for use on public roads, construction sites, and access tracks
• Protection for trailers, mounted jetters, toolboxes, and other fixed attachments
• Windscreen replacement, often with no excess
• Access to hire vehicles during repair periods
• Policy terms that meet finance, lease, or fleet management requirements
• Flexible options for adding or removing vehicles as your business grows

We tailor your Commercial Motor cover to reflect your actual usage, not just what’s listed on the registration. That means stronger protection, smoother claims, and confidence that your vehicles are covered where it counts.

If your plumbing business operates multiple vehicles, whether for transporting equipment, towing trailers, or mobilising crews, Motor Fleet insurance offers a streamlined solution under a single, manageable policy.

This cover is suited to businesses that require consistent, reliable insurance across multiple vehicles and prefer a centralised approach to managing fleet risk and compliance.

Your Motor Fleet coverage can be structured to incorporate:

• Comprehensive or third-party property damage cover
• Vehicles that are owned, leased, or under finance
• Windscreen replacement and optional cover for downtime
• Hired-in vehicle liability, if required for project work or temporary needs
• Automatic inclusion or removal of vehicles within agreed policy limits
• Optional cover for tools and equipment while in transit

If your operations are expanding and your vehicle list is growing, we’ll structure a fleet solution that’s easy to administer, reflects how your business operates, and keeps your assets and team protected on the move.