Insurance for Plumbers with No Activities in Victoria

Plumber Insurance protects your business from financial risks that come with working on-site – from accidentally flooding a client’s home to causing injury during an install. Whether you work on residential bathrooms, new builds, or commercial fit-outs, plumbers insurance helps protect your tools, your business, and your reputation.

Do Plumbers with No Activities in Victoria Need Insurance?

Yes – Plumbing work involves water, gas, confined spaces, and clients’ property. Whether you are a solo plumber, subcontractor, or manage a plumbing crew, your day-to-day work involves water systems, gas fitting, and tools that carry risks of property damage or injury. A single accident can set your business back financially without having an appropriate level of insurance cover in place. We help plumbers get fast, competitive insurance quotes for public liability, tool cover, and more – with no cover for work conducted in Victoria.

Compare Plumber Insurance Quotes

We compare quotes from Australia’s leading trade insurers that offer cover specifically for plumbing professionals. From blocked drains to bathroom renovations, we will get quotes and provide you with comparable prices and coverage so you can select a policy that meets your unique needs.

Plumber Insurance Brokers

At Ausure, we specialise in arranging cover for tradespeople and understand the specific risks faced by businesses and workers in the plumbing industry. We compare insurance policies for plumbers with no activities in Victoria from leading insurers like CGU, QBE, Vero, Allianz, Zurich and more to offer cover tailored to plumbing professionals, whether you focus on residential maintenance, renovations, or commercial plumbing. All quotes exclude cover for work done in Victoria.

What Insurance Does a Plumber with No Activities in Victoria Need?

In addition to public liability insurance, which covers plumbers for property damage or personal injury that a third party suffers as a result of your work activities, the type of insurance you need depends on factors specific to your work activities and equipment. Here are the most common types of insurance for plumbers with no activities in Victoria:

Public Liability

Protects you if your plumbing work causes property damage or injury. For example, water damage from a failed pipe or a customer slipping on a wet surface.

General Property (Tools Insurance)

Protects your plumbing tools and equipment against theft or accidental damage – from inspection cameras to pipe cutters and hand tools.

Personal Accident

Provides income protection if you’re injured on-site and are unable to work. This is especially useful for sole traders or contractors without sick leave.

Commercial Motor Insurance

Covers your work vehicle against theft, accidents and damage – including any trailers or gear stored inside.

How Much Does Plumber Insurance Cost?

The cost of plumbing insurance depends on factors such as your team, tools, areas serviced, and the amount of cover required. Whether a business or sole trader, most plumbers find they can get the insurance they need. Depending on the insurer, annual and monthly payment options are available.

Get Plumber Insurance Quotes

Fill in a quick form to receive competitive plumber insurance quotes from top Australian insurers. We will help you choose coverage that meets the needs of your business size, type of work, and risk profile — with no activities covered in Victoria.

Request a Quote for Your Insurance Needs

What does your Insurance enquiry relate to?

Before we get started, what type of service are you looking for?

A full review by an Insurance Broker
Full Review to assess what insurances are required by a Insurance Broker

I know what I need - no advice or review required
No review or advice - quotes for insurance covers and limits you request. Depending on your enquiry, we may require additional information to provide a quote.

Select your preferred level of service below:

What is the primary type of Business, Trade, or Service that you provide?

Referrer Name

Brand

Lead Source

Lead Type

Referrer Type

Office

Type

Business Details

What is your Business Name?

ABN (Optional)

Type of Business, Trade, or Service that you provide?

Do you have a building license?

What is your estimated Annual Turnover for this year?

No. of Employees including yourself

Does your business employ Contractors and/or Sub-Contractors or Labour Hire personnel?

Approximate $ paid to Sub Contractors/Contractors:

Do you ensure that Contractors, Subcontractors and/or Labour Hire personnel have their own liability, and keep record of where applicable, where necessary?

Tell us about the types of services and work you do for clients:

Business Activities

Do you do any work or provide services to customers in the following industries?

Manufacturing
Civil Works
Aviation
Marine

Mining
Oil and Gas
Public Utilities

Types of Services/Work Completed

Do you perform external work over 10M in height?

Does your work involve welding?

Do you perform underground work over 3M in depth?

Select Required Insurance Covers

If you are unsure or would like more information on any of the cover types, select 'Yes'.

Insurance Basics
Insurance types that are essential for most business and industry types.

	Yes
Liability
General Property (Tools)
Personal Accident
Commercial Motor
Contractual Liability
Workers Compensation
Other

Business Insurance Types Generally Required
Covers that are commonly required for most Businesses.

	Yes
Contract Works
Burglary
Business Interruption
Corporate Travel
Cyber
Flood
Fire & Perils
Glass
Money
Management Liability
Professional Indemnity
Trade Credit
Transit

Insurance That Applies to Some Businesses
Covers that are relevant for some businesses. generally taken by others in your industry to protect the essential risks of doing business.

Insurance That Applies to a Few Businesses

	Yes	No
Aviation
Environmental Liability
Cancellation & Abandonment
Marine Hull and P&I
Shiprepairers Liability
Investment Properties
Political Risk
Voluntary Workers

Businesses Relating to Customers Goods & Vehicles

Farm Insurance Cover Options

	Yes
Crop
Drones Insurance
Home Buildings
Harvested Crops
Gates & Fences
Livestock
Working Dogs
Farm Property
Farm Motor Vehicles
Farm Interruption
Machinery Farm Interruption
Motor Farm Interruption
Theft of Farm Property
Theft Farm Machinery
Other

	Yes
Home Insurance
Car Insurance
Landlord Insurance
Boat
Other

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

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Customise Your Liability Insurance

Preferred limit of Liability

$5M Limit$10M Limit$20M LimitNot sure / Other

Customise Your Personal Accident Insurance

Select your level of Personal Accident cover

$1000 per week Personal Accident$1500 per week Personal AccidentOther

Do you want to be covered for Accident Only OR Sickness too?

What is your Date of Birth?

Do you have any pre-existing medical conditions?

Please provide details

Customise Your General Property (Tools) Insurance

Level of General Property Cover Required

$5000 Tools Cover$7500 Tools CoverOther

Do you have any one Tool that is worth more more than $3000 in value?

Tools Over $3,000 In Value

Please specify items and values for each where value is more than $3000

Would you like us to suggest additional insurance types relevant to your Business?

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price5m_monthly

price10m_monthly

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Total

Selected Cover Option

Trigger Instant Quote

Quote success

Cover selected

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General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

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Session ID

Duty of Disclosure

Please Review Carefully

Before proceeding, ensure you disclose all relevant information. Non‑disclosure may lead to denial or reduction of claims, cancellation of your policy, or voiding of the contract (in cases of fraud). If anything below triggers a “Yes”, be prepared to provide details when requested.

Have you ever had an insurance policy cancelled, declined, or had special terms imposed?
Have you ever been declared bankrupt?
Have you ever been involved in a company or business that became insolvent or was subject to insolvency or voluntary administration (e.g. liquidation or receivership)?
Have you ever been convicted of any criminal offence (other than minor traffic convictions)?
Have you ever been liable for any civil offence or pecuniary penalty (exceeding $5,000)?

Do any of the above apply to you?

Please Provide Additional Details

Claims History

Have you ever had a claim declined or refused due to fraud, suspected fraud or suspicious circumstances?
Have you had any Business or Personal Insurance claims in the last 5 years?
Within the last 5 years, have you ever been charged or convicted of a criminal offence?

Is the answer YES to any of the above?

Please Provide Additional Details

Your Contact Details

First Name

Last Name

Mobile Phone Number

Your Existing Policy Details

To assist us in forwarding your enquiry to your current Insurance Broker, please provide details relating to your existing policies below.

Name of your Insurance Broker or Brokerage

If you are unable to provide the above, please provide details that may assist us in identifying your broker:
- Policy Number/s
- Insured's Name, Email or Phone Number listed on the policy
- Address listed on the policy

Details of you Enquiry

Address Details

Providing your address will allow us to allocate your enquiry to the appropriate team.

Street Address

City

Postal Code

State

Country

Tell us About Your Farm

What is the size of your property?

Please provide additional details about your Farm operations

Upload a copy of your current Insurance Policy Schedule

Save time and upload your current business insurance policy schedule.

Please provide additional details on how we can assist you:

Anything else you would like us to know?

Thank you for choosing Ausure.
Your enquiry has been received and is now with our specialist team.
We’ll be in touch shortly to discuss your insurance requirements and guide you through the next steps.

Expert Knowledge

A professional broker ensures you have insurance coverage for your unique needs, giving you peace of mind with a tailored insurance program.

Save Time and Money

An insurance broker saves you time and money by understanding your business and securing quotes from leading insurers on your behalf.

We Are On Your Side

Your Ausure broker ensures you have a suitable level of cover and handles the entire claims process, advocating for the outcome you deserve.

How Much Liability Insurance do Plumbers with No Activities in Victoria Need?

Most plumbers choose $10 million in Public Liability, though $5 million may be enough for smaller residential work. For commercial or council work, $20 million may be required.

Consider:

Whether you work with gas or hot water
The size of your jobs
If you employ or subcontract others
Project sites (residential, industrial, commercial)

FAQs About Plumber Insurance

Do I need insurance if I only do small maintenance jobs?

Yes – even small leaks or accidents can lead to expensive claims. Insurance is essential.

Can I insure my tools and camera gear?

Yes – just declare your tools when you apply. High-value items like cameras and leak detectors can be added to your policy.

Do I need insurance if I subcontract under a builder?

Yes – most builders require you to have your own Public Liability policy, regardless of their cover.

What if I work in multiple states?

That is fine – just let us know where you operate. Please note, no cover is available for work conducted in Victoria.

What are some examples of public liability claims?

Examples of real public liability claims include the following – could you afford the out-of-pocket cost if any of these happened to you?

Burst Flexi Hose: A newly installed flexi hose burst overnight, causing $9,800 in water damage to flooring and cabinetry. Fully covered by insurance.
Gas Leak Incident: A minor gas leak after a hot water installation required an emergency callout. Liability policy covered the $2,400 claim.
Cracked Bathtub: A heavy tool dropped during a bathroom reno cracked a brand-new tub. Claim settled at $1,850 – fully paid by the insurer.

Plasterer Insurance Australia-Wide

Ausure helps plumbers throughout Australia find insurance policies that meet their business needs. Whether you’re located in ACT (Australian Capital Territory), NSW (New South Wales), QLD (Queensland), SA (South Australia), or WA (Western Australia), we can connect you with a suitable plumbing business insurance policy through our key insurance partners. For insurance in Victoria, please visit our plumbing insurance Victoria page.

What Makes Ausure the Right Choice for Your Plumber Insurance?

Quotes tailored to plumbing trades
Tool, trailer, and vehicle cover available
Fast turnaround so you can get on-site quickly
Full claims support - we handle everything from lodgement to negotiation
Flexible payment options - annual or monthly plans to suit your cash flow

Our Story

Ausure began back in 1996, with founding offices in NSW, Victoria and the ACT. Since then, the business has grown to become one of Australia’s largest and most widely respected financial services companies.

	Yes	No
Audit & Investigation
Employee Dishonesty
Electronic Equipment
Machinery Breakdown
Machinery Business Interruption
Motor Business Interruption
Product Recall

	Yes	No	Not Sure
Customers Vehicles at Business
Customers Vehicles on Road
Driving Risk
Faulty Workmanship
Liability for Customers Vehicles

Plumber Insurance

Find a suitable plumbing insurance policy at an affordable price for your business.