Plumbers Insurance for Small Businesses

Plumbing work can be tough on the body. One slip, strain, or serious injury can put you out of action for weeks or longer. And if you’re a sole trader or running a small crew without Workers’ Comp, you’ll need a plan to keep the income coming in.

Personal Accident and Illness insurance is designed to back you up when you can’t work.

It can include:

• Weekly payments to help replace your income while you recover
• A lump sum payout if you suffer a permanent injury or pass away
• Optional extras for medical bills, rehab, or hospital stays
• Cover that applies on and off the tools, not just during work hours

From fitting pipes on a ladder to fixing a burst in a crawlspace, we know your work has risks. We’ll help you find the right protection to make sure your income is secure, even if you can’t be on the job. 

Running a plumbing business means staying on top of your tools, your crew, and your cover. Business Package insurance lets you bundle the essentials into one policy that’s easier to manage and tailored to how you actually work.

It’s a solid option if you’ve got a few jobs on the go, run a small team, or handle commercial or council work.

Your plumbing Business Package insurance can include:

• General Property cover for tools, drain gear, and hired equipment
• Public and Products Liability with limits that suit bigger contracts
• Fire, storm, or impact damage cover for your storage shed or workshop
• Theft or vandalism cover for tools left on site or in the ute
• Business Interruption insurance to help with lost income after a covered event
• Transit cover for equipment and materials while you’re on the move

If you’re growing your plumbing business and want the right protection without the hassle of juggling multiple policies, we’ll help build tailored Business Package insurance that keeps things simple and covered.

If you’re giving advice, issuing reports, or signing off on plumbing work, Professional Indemnity insurance is worth having in your corner. It helps protect your business if a client claims your advice or documentation caused them financial loss, even if the work was done properly.

You might need this cover if you:

• Provide plumbing reports or compliance certificates
• Sign off on installations or inspections for councils or builders
• Advise on drainage plans, water pressure issues, or site compliance

This type of insurance is often required for plumbing businesses working on government jobs, council sites, or larger commercial projects. If you’re unsure whether you need it, we’ll walk you through it and set up the right protection for the work you do.

If you’re working on installs, fit-offs, or full system upgrades, Contract Works insurance can help protect you while the job is still in progress. It covers your materials, gear, and the work itself if something goes wrong before handover.

This type of plumbing contractor insurance is a smart move if you’re working under fixed-price contracts or taking on staged commercial jobs where you’re responsible for completing the work properly and on time.

What it typically covers:

• Materials and plumbing work that’s still in progress
• Theft, storm damage, or vandalism during the job
• Job-specific or annual cover, depending on how you work

It’s often required for high-value jobs like full fit-outs, hot water system installs, or large commercial and civil plumbing packages. That can include sewer upgrades, stormwater systems, fire mains, or infrastructure work. If you’re not sure if it applies to your setup, we’ll look at your workload and let you know what makes sense.

If you’ve got someone on the books, even just a casual or part-timer, you’re legally required to have Workers’ Compensation. Each state has its own rules, and it’s easy to get caught out if you’re not sure who qualifies as a worker or how the setup applies to your business.

We help plumbers get it right from the start, with support that fits the way small trade businesses run.

Here’s what we do at All Trades Cover:

• Set up your Workers’ Comp correctly in WA, and help with placements or guidance across the rest of Australia, including the NT
• Classify your team the right way, including apprentices, casuals, subbies, and potential directors
• Add Principal’s Indemnity to your cover if a contract or job site requires it
• Handle wage estimates, declarations, and working director cover if needed
• Help you lodge claims quickly, and advise on when and how to report incidents
• Manage the paperwork, including forms and supporting documents
• Work with the insurer to plan return-to-work, light duties, and rehab if someone’s injured
• Stay across treatment plans, medical reports, and liability decisions so nothing gets missed

If your premiums are too high due to past claims, we can:

• Review your history and show where the issues started
• Advocate for better rates based on crew changes or updated safety processes
• Help reduce your premium rate over time with a clear plan

And even if your history is clean:

• We’ll negotiate with the insurer to make sure you’re paying fair rates
• Ensure your policy reflects how your plumbing business actually runs

Whether you’re running solo with one apprentice or growing your crew for bigger jobs, we’ll keep you compliant and properly covered, with support that actually makes sense.

Also called General Property insurance, this cover protects the tools and equipment that keep your plumbing business moving. Whether it’s locked in the ute, sitting in the trailer, or left on site between jobs, this insurance helps cover the cost if your gear is stolen, lost, or damaged.

If something goes missing, this cover gets you back on the tools fast without the financial headache.

What’s typically covered:

• B-press power tools, hand tools, drain and snake cameras, water or hydro jetters and testing gear
• Pipe locators, pressure testers, and other specialised equipment
• Gear stored in vehicles, trailers, sheds, or on job sites
• Optional extras for open-air theft or work at remote sites

It’s a smart add-on to your plumbing Public Liability insurance, especially if you’re on the move a lot or carrying high-value gear. We’ll help you pick the right level of cover for how and where you work, make sure your expensive tools are insured properly, and lock in the details to avoid drama at claim time.

If you use high-value machinery on the job, whether it’s your own, on hire, or leased, Contractor Plant and Machinery insurance helps protect that gear from damage, theft, or breakdown.

It’s a good option for plumbers using things like excavators for drainage, trenchers, bobcats, or other heavy plant equipment to get underground work done.

This policy helps cover things like:

• Owned and registered machinery or plant
• Hired or leased equipment for short- or long-term jobs
• Wet or dry hire setups (with or without an operator)
• Cover for accidental damage, fire, or theft
• Breakdown and recovery costs
• Road risk or Public Liability if your plant moves between sites
• Finance protection if the machine is under a loan or lease
• Automatic updates when gear is added or removed from your fleet

If you rely on gear like this to get the job done, we’ll help you set up the right cover to keep things moving if something goes wrong.

Driving between jobs with a ute full of gear or towing a jetter or trailer? Commercial Motor insurance helps cover your work vehicles, trailers, and mounted equipment while you’re on the road or parked up on site.

You’ll get protection for:

• Use on public roads, job sites, and access tracks
• Cover for trailers, toolboxes, jetters, and mounted equipment
• Windscreen replacement with no excess
• Optional hire vehicle cover while your vehicle is being repaired
• Options to meet finance or lease conditions
• Cover for adding or removing vehicles as your business grows

We will help you set it up based on how you actually use your gear, not just what the paperwork says. That way, you are covered where it counts and ready to go when the next job comes in.

If you have a few vehicles on the road, whether they are used to carry gear, tow trailers, or get your crew to the site, Motor Fleet insurance can help keep things simple and covered under one policy.

It is a practical option for plumbing businesses running multiple utes, vans, or trucks and wanting reliable protection without juggling separate policies for every vehicle.

Your cover can typically have:

• Comprehensive or third-party property damage
• Owned, leased, or financed vehicles
• Windscreen replacement and downtime protection
• Optional cover for hired-in vehicle liability when needed
• Automatic additions and removals of vehicles within policy limits
• Optional cover for tools and equipment in transit

If your plumbing business is on the move and the vehicle list is growing, we will help you set up a policy that is easy to manage and built for the way you work.

As your plumbing business grows, so does the responsibility. Management Liability insurance helps protect the business and the people who run it from claims related to mismanagement, unfair dismissal, WHS breaches, or other legal issues that fall outside of your day-to-day plumbing work.

Even small teams can face claims from employees, subcontractors, or regulators. This cover helps you deal with the legal and financial fallout if something goes wrong behind the scenes.

Your policy can include:

• Directors and Officers Liability
• Employment Practices Liability for things like harassment or unfair dismissal claims
• Statutory Liability for WHS breaches, fines, or investigations
• Crime cover for internal or external fraud and theft
• Tax audit costs and regulatory investigation support

This type of cover is especially useful if you manage a crew, deal with subcontractors, or hold commercial contracts where your business decisions are more visible and often reviewed.

We will help you decide if this is a good fit for your setup and build a policy that protects the people behind the business, not just the tools and vehicles out on site.

If the ATO comes knocking, Tax Audit insurance helps cover the cost of getting your paperwork sorted without putting pressure on your business cash flow.

It covers the accountant or advisor fees that can pop up during a tax audit, BAS review, or super check. If you are running a crew, using subcontractors, or doing government or council work, this cover gives you an extra layer of protection behind the scenes.

What’s normally covered includes:

• Accountant or bookkeeper fees during an ATO audit
• Reviews of your BAS, super, payroll tax, or income tax
• Help prepare reports, financial statements, and supporting documents

It is a smart add-on for plumbing businesses that want to stay focused on the work, not buried in paperwork when the tax office comes calling.