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Key risks
Understanding the risks in your industry and how our comprehensive coverage responds to protect your business.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
Public and Products Liability, Tools of Trade, and more for Plumbers Victoria from leading insurers
Claim examples
Simple, real-world examples to help you understand what claims may involve.
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.
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.
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.
Commercial Motor Vehicle insurance may respond to third party property damage claims arising from the operation of your insured vehicle.
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.
Public Liability responds to liability for third party injury linked to your plumbing work, which plumbers liability insurance Victoria is built for.
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.
Public Liability Insurance may respond to third party property damage claims arising from your business activities.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
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.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
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.
A support worker gave a participant the wrong medication due to a mislabeled pillbox. The participant experienced severe drowsiness and dehydration, requiring overnight hospitalization.
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.
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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