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PLUMBER & GAS FITTER INSURANCE

Insurance Built Around Water, Gas and the Job — Not a Generic Small Business Package

A fitting that fails after you've left, a gas job flagged non-compliant, a van full of gear stolen overnight — plumbing carries property damage and compliance risk most small business policies aren't built for. We arrange insurance scaled to how you work.

Damage Doesn't Always Show Up While You're On Site

A hot water installation develops a slow leak weeks after the job — by the time it's noticed, it's damaged flooring and a ceiling below.

Public and products liability is built specifically for this: it responds to damage from completed work, not just while you're standing in the room.

That's the difference between a policy that covers you on the day and one that covers the job.

What We Arrange for Plumbing & Gas Fitting Businesses

We compare your risk across a panel of insurers and put together insurance that matches your trade — not a generic small business package. For most plumbing and gas fitting businesses, that means:

Public & Products Liability

Responds to injury or property damage from your work, including damage that only becomes apparent after the job — a leaking fitting, a fault found later. Most commercial clients and head contractors won't let you on site without it.

Commercial Vehicle or Motor Fleet

Covers the vehicles you rely on to get to jobs and carry your gear, against accident, theft and damage — scaled from a single van to a fleet of service vehicles.

Tools & Portable Plant

Covers pipe equipment, leak detection gear and tools carried van to van, against theft and accidental damage — whether kept in the vehicle overnight or moved between sites during the day.

Workers Compensation

A statutory requirement the moment you employ anyone, even one apprentice. Requirements and premiums vary by state. We help you get this right for your jurisdiction so you're not caught out at audit time.

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Plumber & Gas Fitter Insurance FAQ

Do I need public liability as a sole trader?

Yes — public and products liability isn't about how many people you employ, it's about the risk you create for other people and their property while you're working. Most head contractors and commercial clients will require proof of insurance before they'll let you on site, solo operator or not.

How do I get a certificate of currency?

Once your policy is in place, we can issue a certificate of currency on request — most clients and head contractors will ask for one before you start a job.

I have an apprentice — are they covered?

Workers compensation becomes a statutory requirement the moment you employ anyone, including an apprentice. Requirements and premiums vary by state — we help you set this up correctly for your jurisdiction.

What's the difference between public liability and professional indemnity for electrical work?

Public liability responds to physical injury or property damage from your work. Professional indemnity responds where the claim is about advice, design, or certification — for example, signing off work that turns out not to meet code. Many electrical contractors need both.

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