Atlantic Insurance Plumbers Insurance are a leading Insurance provider for Plumbers. For over 25 years we have successfully serviced the needs of plumbing businesses across Australia. Plumbers have unique Insurance needs and in some states require certain Policy endorsements to ensure the Renewal of your Plumbing Licence.
For Plumbers in Victoria maintaining appropriate Insurance is not optional, it is a compulsory requirement of the Industries Ministerial Order if they want to renew their plumbing licence. Atlantic Insurance has been arranging Plumbers Liability Policies and forwarding their certificates of currency to the Plumbing Industry Commission, or as it is now known as the Victorian Building Authority (VBA) for 25 years.
A key focus in establishing the Ministerial order in Victoria was the “consumer” and protecting them against non-compliant and or faulty workmanship. Queensland Electricians have a similar arrangement. In Victoria every Plumbers Liability Policy to abide by the relevant legislation must have a “Consumer Protection Liability” section which provides a 6 years warranty on works carried out.
Competitive Premiums
Monthly premiums available at no additional cost
No paperwork to complete
Access to a wide range of products and insurers for all classes
Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre
In addition to Plumbers Liability, there a number of other Insurances a Plumbing Business would typically consider including Contract Works Insurance if working on developments alongside Builders, Motor Fleet and Plant and Equipment Insurances or even the more common Tools of Trade Covers. Click below to find out more information on some of the common policies that we discuss with our Plumber Clients.
Whilst the CPL (Consumer Protection Liability) of a Victorian Plumbers Liability Policy does provide a level of protection for the consumer, it is an area Insurers have become increasingly mindful of during the past 10 years where property development and home renovations have taken-off. Inevitably this surge in activity is leading to an increased claims activity. The reality is that issuing a compliance certificate for works undertaken does become a means from which the consumer can liaise with the VBA and secure the details of the Plumber and ultimately lodge a claim against their Plumbers Liability Policy.
Our experience in assisting to manage the risks of Plumbers and Plumbing Businesses for the past 25 years is extensive and during that time there would not be many claims scenarios that we haven’t seen first hand.
A Plumbers Liability Policy is designed to protect you and your business in the event that a customer, supplier or any other third party suffer a personal injury or damage to their property as a result of your negligence. A Liability policy will help to defend your position in a situation where an allegation or demand is made against you by a third party. As levels of litigation reach all-time highs in Australia we are seeing a continual increase in Liability claims where even the most basic of legal responses can incur thousands of dollars. The right insurers are well informed and will help to protect you and your businesses interests when a Liability claim is made against you. As is the case with all Insurance policies you do not want to wait until a claim presents to determine you are not adequately Insured or properly represented.
It is very important that Plumbers work with an Insurance Broker that understands Plumbers. In Victoria, a Plumbers Liability Policy must comply with the Ministerial order and include a 6 year warranty to rectify defective workmanship. Our experienced Client Managers have over 25 years experience looking after the insurance needs of Plumbers.
Our Client Managers will provide your Certificate of Currency directly to the VBA following inception / renewal of your Liability Policy to assist you renew your Plumbers licence.
Yes, providing the allegation made triggers your Liability Policy, a Public Liability Insurer will also cover the defence costs following a claim made against a business.
Whilst the needs will vary depending on the individual circumstances of each business we commonly discuss Tools, Personal Accident and Illness, Contract Works, Motor, Management Liability and Plant / Equipment covers with our Plumbing Clients.
No you cannot unless you are able to qualify that the works are compliant with Plumbing regulations and keep in mind in doing so and issuing the compliance certificate it will be your Insurance that provides the 6 year guarantee and could be triggered in the case of an allegation of faulty workmanship.
Yes. Your customer can contact the VBA who will provide details of your Insurance coverage and can pursue a claim against it. Therefore it is especially important that you attempt to rectify any allegations of defective work as these arise.
NO. Your Insurance Policy only provides coverage up to $50K for rectification of faulty workmanship in a domestic environment and $100K in a commercial faulty workmanship claim.
Your policy does cover instances of personal injury and property damage which arise as a result of your negligence. In this instance you can potentially make a claim against your policy HOWEVER, before doing so our experienced Plumbers Insurance Client Managers would help you determine the merit in claiming. This would take into account the cost of the motor vehicle repair, your current policy excess and potential impact of future policy premiums. This is especially important given the tightening underwriting guidelines of Plumbers Insurers. Our Client Managers can provide more information when you contact us for a quote.
ATLANTIC INSURANCE
6 Monomeeth Drive,
Mitcham, VIC 3132
03 9836 3733
