Plumber Insurance

Plumber jobs can take you to lots of places including private houses and commercial sites. Being on someone else’s property means public liability insurance for plumbers or self-employed plumbers should be highly considered.

Accidents happen and plumber public liability protects you from claims lodged against you by a third party, a customer, the general public, your contractors and suppliers. It includes cover for third party personal injury, property damage and legal expenses in defending a claim.

imar plumber public liability insurance offers a choice of indemnity options for 5, 10 or 20 million dollars.

Every plumber understands why ‘Dial Before You Dig’ is an important step when you’re excavating. At imar, we also understand that mistakes and oversights do happen. So whether or not you’ve made that call, we’ll have you covered for property damage to underground services.

Ministerial orders mandate that Victorian plumbers carry extended Consumer Protection Warranty. Your imar policy can include the Warranty, providing you and your customers with the benefits of a 6 year warranty period if you perform defective work or use a defective product.

If your tools are stolen, you can’t do your job and they can be expensive to replace, so tool insurance for plumbers should be highly considered. Locators, drain cameras and welders, quality adjustable wrenches and trusty pliers are only a few of the tools that need to be insured in case they are damaged or stolen.

imar tool insurance covers your tools of trade, hand held tools, mobile phones, stock and customer’s property which are used by you in the normal course or scope of your business. Portable electronic goods like mobile phones are covered under the tool insurance for plumbers.

Tool insurance protects your tools or stock if they are stolen or damaged. If your tools are stolen from a locked vehicle or premises, they are protected. If your tools are damaged by fire, vandalism and the collision or overturning of your vehicle, they are protected.

There are important limitations and conditions on cover, particularly where tools are stored and how they are secured; including a deprecation factor on insured values. Please refer to the Product Disclosure Statement.

Policies also include Vicarious Liability cover which means if you’re drawn into a legal action as a result of a subcontractor’s negligence, you’ll be covered.*

*Subcontractors require independent public liability insurance

Having an accident or being sick is part of a plumber’s life and so having accident and sickness insurance (injury and illness insurance) makes sense. imar’s accident and sickness insurance covers you 24 /7. While working on site or playing footy on the local oval. If you are accidently injured or suffer a covered illness and you can’t work for a temporary time. 

Motor vehicles like vans and utes are essential for plumbers and can be covered by imar’s commercial motor insurance comprehensive policy, and as part of your overall plumbing insurance. Fully comprehensive and 3rd party policies are available.

In addition imar cover permanently fixed tool boxes and tools of trade permanently attached to the vehicle or trailer.

As a plumber, contract works insurance might be required to “cover” damage to the work you are doing while under construction from occurrences such as flood, storm, theft of materials and fire. This might require an additional policy and our friendly team can advise you further.