How Much Public Liability Insurance Does a Plumber Need?
Quick Answer
$10 million minimum for residential work. $20 million for commercial sites, government work, and most builders. Cost: $800–$2,000/year for a sole trader.
Why $10M Isn't Overkill
A burst pipe that floods a multi-level apartment building can easily cause $2–5 million in damage. A gas leak causing an explosion could result in injury claims exceeding $10 million. The premium difference between $5M and $10M cover is often only $200–$400/year — it's not worth the risk to go lower.
When You Need $20M
- Working on commercial buildings
- Subcontracting to builders (most require $20M)
- Government or council contracts
- Working in hospitals, schools, or aged care facilities
- Strata/body corporate work
What It Costs (2026 Estimates)
- $10M cover, sole trader: $800–$1,500/year
- $20M cover, sole trader: $1,200–$2,000/year
- $20M cover, 2-3 employees: $2,000–$4,000/year
Providers: Trade Risk, BizCover, Aon, Insurance House. Shop around annually — premiums vary significantly.
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