Fix the leaks in your plumbing insurance

Life is busy when you’re a plumber but make sure you don’t put your insurance on the back burner. Having the right insurance package in place will protect you when things go wrong and it means you have peace of mind in your day to day work. Today we’ll be talking about the main types of insurance cover which apply to plumbers.

Public liability insurance

Public liability insurance means you’re protected financially for damages which have occurred as a result of your actions at work. This could include damage to property or injury to a person. As a plumber, it’s all too easy for damage to occur from damaging tiles in a client’s bathroom to someone tripping over equipment which is why this form of cover is essential.

Personal accident and illness cover

Plumbers are often self-employed and although this means more freedom for you, it also means that your income will stop if you can’t work due to injury or sickness. Having personal accident and illness cover in place means that you’ll continue to be paid a portion of your income if you’re suddenly unable to work so you can continue to meet your financial obligations.

Life insurance

Although it’s not something we like to talk about, it’s important to think about how you’re family would cope financially if you were no longer here. Life insurance means that your beneficiaries would receive a lump sum after your death which they can use as they see fit.

Property and tools cover

As a plumber, you spend a lot of time carrying your tools around to different jobs. Property and tools cover is essential as it means that if your transportable items are lost, damaged or stolen, the cost is covered. When you add up how much each of your tools would cost to replace, you’ll see why this insurance policy is so important!

Workers compensation insurance

Workers compensation insurance means that if an employee is successful with a workers compensation claim, the employer is reimbursed by the insurer for any ongoing payments such as medical bills or wages that need to be made. It’s compulsory to have this cover in place if you have employees working for you in your plumbing business.

Don’t leave yourself uninsured

These are just some of the insurance policies which are relevant to plumbers. Remember, the most important thing is that you have insurance in place at least to cover the basics – if you decide to leave yourself uninsured then you leave yourself wide open when things go wrong and could be facing thousands of dollars’ worth of damages.

When it comes to getting quotes for your plumbing insurance, you can take the hard work out by speaking with the experienced brokers at AllTradesCover. Because of our sole focus on tradies, we have access to policies that suit your specific areas of need while also finding you the best price. With our friendly service and extensive industry knowledge, you can be assured that you’ll receive hassle free insurance.

For plumbing insurance quotes or for any further questions, contact AllTradesCover today or fill in our easy online form for a quick quote.

AllTradescover is Australia's fastest growing trade insurance provider offering low cost tradesman liability insurance and public liability insurance packages. Request a quote today.