Plumbers Insurance Melbourne – Vic Only
PUBLIC LIABILITY POLICY ADVANTAGES
If you are a plumber in Victoria, you will need a special extension to your Public and Products Liability insurance for defect and trades practices liability. A consumer protection endorsement is included with imar and provides your customer with the benefit of a 6 year warranty period if you perform defective work or use a defective product.
Many of these extra covers are not included in a standard Public liability policy but our policy has been specifically enhanced & extended to include them automatically.
DEFECTS & TRADES PRACTICES LIABILITY (VIC only)
Example – If you perform defective work, or use a defective product, your customer has the benefit of a 6 year warranty period.
Example – If you damage underground services, you are covered, including the resulting damage that may be caused. eg fusion of household appliances etc.
Example – You use a part that is faulty, such as a tap or hose connection and it leaks & results in property damage or bodily injury, you are covered.
GOODS IN CUSTODY
Example – You store customers’ goods at your premises or even take them out the front to your vehicle to work on them, and as a result of your negligence, the goods are stolen or damaged, you are covered.
RESULT OF FAULTY WORKMANSHIP
Example – You do a guttering job & it is faulty causing water to leak and as a result there is property damage, you are covered. Or you don’t correctly fit a connection to a toilet and it results in water damage, you are covered.
Example – If you use subbies and as a result of their negligence, you are included in a legal action against them, you are covered.
Example – Should you have an unregistered vehicle or machinery and it causes bodily injury or property damage, you are covered.
ATTACHMENT TO A REGISTERED VEHICLES
Example – Most public liability policies exclude claims arising from a registered vehicle. Eg. Someone trips over a cord connected to your vehicle. With our policy, you are covered.
The policy includes legal costs in addition to your limit of indemnity.
Many principal contractors require tradies to provide them with protection should the tradie cause a problem and they become vicariously involved. Often it is written into a contract and overlooked so our policy automatically covers it for you.
Should the ATO carry out an audit of your income tax returns, you are covered up to $5,000 for the accountants and other costs incurred in providing information and documentation.
Example – When transporting customers goods to and from your premises and the goods are damaged due to your negligence, you are covered.
MONTHLY PREMIUM PAYMENTS
Great for your cash flow. The policy wording has full details of cover and exclusions. Depending on your occupation, the policy wording may change to meet your individual requirements.
TOOLS OF TRADE, INJURY & ILLNESS, INCOME PROTECTION AND MOTOR VEHICLE COVER
Also designed specifically for your requirements.
vThe cover and/or premiums displayed may be varied depending upon your own circumstances, claims experience and Government charges.
Talk to us today
For an obligation-free quote from an adviser who understands tradies, just call 1800 284 627 or pop your details into the ‘Get a quote’ form.