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Plumbers in Australia need public liability insurance (typically $10M, as required by most plumbing licences and building contracts), tools and equipment insurance, and income protection. Plumbers who design systems may also need professional indemnity. Workers compensation is required if you employ staff.
In most Australian states, holding current public liability insurance is a mandatory condition for maintaining a plumbing licence. The minimum required limit varies by state but is typically $5M to $10M. State licensing bodies (such as NSW Fair Trading, VIC Business Licence Authority, or QLD QBCC) may conduct periodic checks, and operating without valid insurance can result in licence suspension.
A trades tools policy covers the cost of replacing or repairing your tools and equipment following theft, accidental damage, or loss. For plumbers this includes pipe cutters, pressure testing equipment, inspection cameras, hand tools, and power tools. Most policies cover tools in your vehicle, on a job site, and in secure storage. High-value items like drain cameras (which can cost $5,000–$30,000) should be listed individually.
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