Construction & Trade Insurance Specialist
Specialist insurance for residential and commercial plumbers across Australia, structured advice, competitive terms, and direct access to a senior commercial broker.
Years Experience
Claims support and advocacy
Broad Risk works with sole trader residential plumbers, commercial plumbing contractors, maintenance plumbers, new build and renovation specialists, hydraulic services contractors, and plumbing businesses with employees and subcontractors.
Whether you’re working in homes, strata buildings, construction sites or large-scale commercial projects, we structure cover around how your business actually operates.
Specialist Cover
Plumbing-related claims can be financially severe, particularly where water damage impacts multiple properties, strata buildings or commercial sites.
We structure insurance programs that reflect the real-world exposures of plumbing work, not generic, one-size-fits-all trade policies.
We structure your insurance program around turnover, subcontractor use, contract terms and project exposure, ensuring cover aligns with how your plumbing business operates.
Residential and commercial plumbing carry very different risk profiles. We review your contracts, project size and exposures to ensure policy limits, extensions and wording align with your actual operations.
• Domestic water damage claims
• Renovations and bathroom reconfigurations
• Strata and body corporate exposure
• Lower-value contract works projects
• Mobile tools and equipment risk
• Large-scale project and contract works exposure
• High-value resultant water damage claims
• Contractual indemnities and hold harmless clauses
• Principal contractor and head contract requirements
• Higher liability limit expectations
We structure limits and extensions differently depending on whether you operate in residential, commercial or mixed plumbing environments.
Why Choose Us
You deal directly with a senior commercial broker, not a call centre or junior account manager.
We don’t just place policies, we manage your insurance program year-round.
We review turnover, subcontractor use, contract terms and project exposure to ensure your risk profile is properly assessed.
We compare insurers, policy wording, limits and exclusions — not just premium.
We review your insurance program annually and provide direct claims support when it matters.
Ask Anything
Public liability limits for plumbers typically range between $5 million and $20 million. The appropriate limit depends on project size, whether you work on residential or commercial sites, builder or principal contractor requirements, and the potential scale of water damage exposure.
Most public liability policies respond to third-party property damage, including resultant water damage caused by plumbing work. However, cover depends on policy wording, workmanship exclusions and whether the damage relates to rectifying your own work versus damage to surrounding property. We review wording carefully to ensure appropriate protection.
If you are working on renovations, new builds or commercial projects, contract works insurance may be required. It covers materials, labour and works in progress against loss or damage before project completion. Builder or principal contractor agreements often specify this requirement.
This depends on how subcontractors are engaged. Some policies include subcontractors automatically, while others require disclosure of subcontractor payments and turnover. We structure cover based on how your subcontractors operate and review indemnity arrangements to avoid coverage gaps.
Plumbers must hold public liability insurance to obtain and maintain licensing in most Australian states. Workers’ compensation insurance is required if you employ staff. Additional cover such as contract works, tools and management liability may be required depending on your business structure and project type.
Prefer email? Send your current policy documents to admin@broadrisk.com.au and we’ll review and respond within one business day.
Speak directly with a senior commercial broker who understands plumbing, trade and construction risk.
Dedicated Senior Broker • Proactive Program Reviews • Claims Support When it Matters
