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Common industry risks   

Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.

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The Risks

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Risks Response

Loading & Unloading of Registered Vehicles

Damage to someone else's property while loading or unloading your parked vehicle as part of your business activities, where you are legally liable for the loss.

Some Public Liability and Commercial Motor Vehicle policies may respond to property damage claims arising from loading or unloading your vehicle.

Care, Custody & Control

Damage to a client’s property while it is in your possession, not in relation to the services performed.

Public Liability can include coverage for third party property that is damaged while in your possession.

Vicarious Liability

Liability arising from the acts of contractors or sub-contractors doing domestic plumbing work for you.

Public Liability can include coverage for work done on your behalf that leads to a liability claim against you.

Products Liability

Liability from supplied pipes, drains or hot water units causing third party injury or property damage.

The policy is designed to cover defence costs and compensation for covered products liability claims.

Public Liability

Liability arising if domestic or commercial plumbing work causes third party injury or property damage.

The policy is designed to respond to claims, defence costs and compensation linked to plumbing work.

Loading & Unloading of Registered Vehicles

The Risks

Damage to someone else's property while loading or unloading your parked vehicle as part of your business activities, where you are legally liable for the loss.

Risks Response

Some Public Liability and Commercial Motor Vehicle policies may respond to property damage claims arising from loading or unloading your vehicle.

Care, Custody & Control

The Risks

Damage to a client’s property while it is in your possession, not in relation to the services performed.

Risks Response

Public Liability can include coverage for third party property that is damaged while in your possession.

Vicarious Liability

The Risks

Liability arising from the acts of contractors or sub-contractors doing domestic plumbing work for you.

Risks Response

Public Liability can include coverage for work done on your behalf that leads to a liability claim against you.

Products Liability

The Risks

Liability from supplied pipes, drains or hot water units causing third party injury or property damage.

Risks Response

The policy is designed to cover defence costs and compensation for covered products liability claims.

Public Liability

The Risks

Liability arising if domestic or commercial plumbing work causes third party injury or property damage.

Risks Response

The policy is designed to respond to claims, defence costs and compensation linked to plumbing work.

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Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

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Products

Coverages for Plumbers in Victoria

Public and Products Liability, Tools of Trade, and more for Plumbers Victoria from leading insurers

Public & Products Liability

Covers injury & property claims from your services, products or at your business

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Tools of trade

Covers theft, damage or loss to work tools and equipment incl power tools, machinery and laptops

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Commercial Motor Fleet

Covers business vehicles for damage to your vehicle or a third party’s, property damage or injuries to others (excl CTP)

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Tax Audit

Covers professional costs in responding to a tax audit or tax dispute, this does not cover any tax penalty

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Claim examples

Plumbers in Victoria claim examples

Simple, real-world examples to help you understand what claims may involve.

Tool Theft
SCENARIO

Overnight, thieves force the lock on your securely locked van and steal a jetter, press tool and drain camera. You lodge a police report and supply receipts, but still need fast replacements to keep jobs moving.

WHY IT’S COVERED

Tools of Trade is designed to cover theft from a securely locked van or site box in Victoria when there is evidence of forced entry, up to limits.

Garage Damage
SCENARIO

Reversing in for a hot water service replacement, you hit the client's garage door and crack the frame. They ask your plumbing business to pay for repairs.

WHY IT’S COVERED

Commercial Motor Vehicle insurance may respond to third party property damage claims arising from the operation of your insured vehicle.

Injury to Others
SCENARIO

On a Melbourne call out, your wet work area isn’t seen and a visitor slips on pooled water near the bathroom, suffering a wrist fracture. They later claim medical bills, rehab costs and lost wages against your business.

WHY IT’S COVERED

Public Liability responds to liability for third party injury linked to your plumbing work, which plumbers liability insurance Victoria is built for.

Client Property Damage
SCENARIO

While replacing a hot water unit, you drill into a concealed pipe and flood the client’s laundry. Water soaks plaster, cabinetry and flooring and the owner requests repairs plus replacement of damaged household items.

WHY IT’S COVERED

Public Liability Insurance may respond to third party property damage claims arising from your business activities.

SCEANRIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT'S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

Tool Theft

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

WHY IT’S COVERED

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCENARIO

A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.

IS THIS COVERED?

Costs included $8,200 for hospital and rehabilitation, $12,500 for legal defence, and a $7,500 settlement to resolve the claim out of court.

SCEANRIO

Overnight, thieves force the lock on your securely locked van and steal a jetter, press tool and drain camera. You lodge a police report and supply receipts, but still need fast replacements to keep jobs moving.

IS THIS COVERED?

Tools of Trade is designed to cover theft from a securely locked van or site box in Victoria when there is evidence of forced entry, up to limits.

Tool Theft
SCEANRIO

Reversing in for a hot water service replacement, you hit the client's garage door and crack the frame. They ask your plumbing business to pay for repairs.

IS THIS COVERED?

Commercial Motor Vehicle insurance may respond to third party property damage claims arising from the operation of your insured vehicle.

Garage Damage
SCEANRIO

On a Melbourne call out, your wet work area isn’t seen and a visitor slips on pooled water near the bathroom, suffering a wrist fracture. They later claim medical bills, rehab costs and lost wages against your business.

IS THIS COVERED?

Public Liability responds to liability for third party injury linked to your plumbing work, which plumbers liability insurance Victoria is built for.

Injury to Others
SCEANRIO

While replacing a hot water unit, you drill into a concealed pipe and flood the client’s laundry. Water soaks plaster, cabinetry and flooring and the owner requests repairs plus replacement of damaged household items.

IS THIS COVERED?

Public Liability Insurance may respond to third party property damage claims arising from your business activities.

Client Property Damage
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Important: Scenarios are examples only. Coverage is subject to policy terms, conditions and exclusions. Limits and sub-limits might apply. Policy wordings vary between insurers. Refer to the PDS or Policy Wording for details.

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FAQs

Plumbers in Victoria insurance queries

How do I make a claim?

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You should notify your insurer as soon as you become aware of a claim or circumstance that may give rise to a claim which could include a client complaint, you discovering an incident or an allegation of harm. Claims should be made in writing and handled in line with the claims notification requirements which will be outlined in your policy wording.
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How do I make a claim?

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What is a Certificate of Currency?

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A Certificate of Currency is issued by an insurance company and is something you can use as proof that your existing insurance policy is valid. It contains all the information regarding your policy. You may be asked from time to time to prove your insurance - for loans to your business, for landlords of your premises, or for certain clients you might have. The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.
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What is a Certificate of Currency?

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How quickly do I need to report an incident to my insurer?

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You should notify your insurer as soon as you become aware of any incident, claim, or circumstance that may give rise to a claim. Professional Indemnity insurance typically operates on a "claims made and notified" basis, meaning both the claim must be made against you AND you must notify the insurer during the active insurance period (or discovery period if applicable). Late notification after policy expiry may not be covered unless you have purchased an extended discovery period. Prompt notification is essential to protect your rights under your insurance.
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How quickly do I need to report an incident to my insurer?

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What is a retroactive date?

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A retroactive date is the earliest date from which a claim can arise and still be covered under your policy. Professional Indemnity and certain other claims-made policies will only respond to claims arising from acts, errors or omissions that occurred on or after the retroactive date listed in your policy schedule. If an incident occurred before your retroactive date, it typically will not be covered even if the claim is made during the current policy period. Maintaining continuous cover without gaps helps protect your retroactive date — check your policy schedule or ask your broker if you are unsure of your retroactive date.
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What is a retroactive date?

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