Common requirements for plumbers:
1. Plumbing Licence
2. Home Building Compensation (HBC)
3. Workers' Compensation
Licensing requirements vary by state and territory, depending on the type of plumbing work and services you provide.
Home warranty or domestic building insurance requirements vary by state and territory and may apply to eligible residential building work.
Workers' compensation requirements depend on your state or territory and whether you employ workers or engage contractors.
Plumbers Insurance
Insurance built around the way plumbers actually carry risk.
We understand how plumbers work across residential and commercial projects.
Plumbing Expertise
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Decades of insurance expertise in the construction and trade sector.
35+ Years
Experience
Local claims advocacy and guidance when you need it most.
Claims
Support
Insurance programs built around your trade, projects, equipment, and business.
Tailored
Cover
As a plumber, you carry risk across every stage of the job, from installation and repairs to maintenance, testing, and completing the work. A single incident can cause property damage, disrupt a project, or leave you facing a costly claim. From water damage and site accidents to damaged equipment and defective workmanship, the right insurance program helps protect your business when things don't go to plan.
Ferguson Brown specialises in the construction, property and development sectors, so we understand how plumbing risks can change from one project to the next. Whether you work on residential builds, renovations, commercial projects, maintenance or as a subcontractor, we can help structure cover around the work you actually do.
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Site accidents
The risk plumbers face everyday:
Defective work
Project delays
Water damage
Injuries to workers, subcontractors or visitors around your worksite can lead to costly claims.
Materials, tools and equipment can be damaged, stolen or lost before a project is completed.
Unexpected incidents, damaged materials or equipment problems can delay projects and increase costs.
Burst pipes, leaking connections or installation issues can cause significant damage to client property.
Poor workmanship or installation errors can result in property damage, rectification costs and disputes.
Tools theft or loss
Other insurance requirements for plumbers:
Workers Compensation
For businesses with employees, workers' compensation helps provide protection when a worker is injured or becomes ill in connection with their employment.
Contract
Works
Protects the works under construction, materials, and other items on site against damage, theft, fire and other insured events.
Professional
Indemnity
Helps protect your business against claims arising from professional advice, design or services where these form part of the work you provide.
Public & Products Liability
For third-party injury or property damage arising from your work on or around the site. Usually the first cover contractors look to protect the business from costly claims.
Home Building Compensation
For eligible residential building work, home building compensation may be required depending on the state or territory and the nature of the work.
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Motor Vehicle
Protects work vehicles used to transport tools, equipment and materials, with cover structured around how your vehicles are used.
Cyber Protection
Helps protect your business from cyber incidents, data breaches and other online threats that can disrupt your operations.
Tools & Equipment
Your tools are essential to getting the job done. Cover can help protect against theft, loss or damage to equipment you rely on every day.
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