Most importantly, you will need a Public and Products Liability policy to cover your activities as a Plumber. You will find that most policies have a limitation on underground services claims – this means that you need to dial before you dig and check the location of underground pipes and cables before carrying out any excavation work. If you don’t check prior to commencing works, you may find that a subsequent claim will be declined.
Secondly, you want to ensure that you have coverage for your tools. A good insurance policy should cover your tools for Fire, Damage in a collision and Theft from a locked vehicle or premise. It is also possible to have the Theft cover extended to include Theft in the Open Air if you wish.
If you engage any employees or subcontractors, there is a requirement by law to cover them for Workers Compensation.
Income Protection or Personal Accident and Illness cover is also recommended.
For more information, call Westralian Insurance on (08) 9302 1388 or visit www.westralianinsurance.com.au
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