Business Insurance for Plumbers

Get your same-day Business insurance for plumbers quote request sorted in less than 1min.

Request your 100% free plumbing business insurance call-back and we’ll arrange for a broker from NZ’s largest insurance brokerage to contact and sort your quotes.

The fast, simple and easy way to request your plumbing business insurance quotes online.

 UPDATED: 01 June 2021

Simple and affordable business insurance packages made especially for plumbers.

Don’t leave your plumbing business at risk by guesswork and generic online quoting. Instead choose the smart and easy option and engage a broker to give you confidence with your insurance requirements.

CONTENTS:

WHY DO NZ PLUMBERS REQUEST QUOTES HERE INSTEAD?

 

              • in less than 1min – it’s the quick and easy way to request affordable plumbing business insurance quotes
              • don’t settle for less, get your plumber insurance quotes sorted via a broker from NZ’s largest insurance brokerage
              • because getting good value for money on your plumbing business insurance costs is important
              • it’s a 100% free quoting service for you to request
              • estimates/quotes are usually able to be sent through the same work day 
WHY DO NZ PLUMBERS REQUEST QUOTES HERE INSTEAD?

 

    • in less than 1min – it’s the quick and easy way to request affordable plumbing business insurance quotes
    • dont settle for less, get your plumber insurance quotes sorted via a broker from NZ’s largest insurance brokerage
    • because getting good value for money on your plumbing business insurance costs is important
    • it’s a 100% free quoting service for you to request here
    • estimates/quotes are usually able to be sent through the same work day
READY TO GET YOUR PLUMBING INSURANCE QUOTE REQUESTED ?

You’re only a couple quick clicks away from getting your plumbing business insurance quote requested: 

 

        1. make your quote request here
        2. we’ll then arrange for an available broker from NZ’s largest insurance brokerage to contact you and quote, usually the same standard work day.

 

​This is a 100% free service for you – if you choose to accept the quote prepared by your broker requested through this website, the broker pays us a small fee for the convenience of connecting them to you. This does not change in any way the price you would pay either-way.

READY TO GET YOUR PLUMBING INSURANCE QUOTE REQUESTED ?

You’re only a couple quick clicks away from getting your plumbing business insurance quote requested: 

 

        1. make your quote request here
        2. we’ll then arrange for an available broker from NZ’s largest insurance brokerage to contact you and quote, usually the same standard work day.

 

​This is a 100% free service for you – if you choose to accept the quote prepared by your broker requested through this website, the broker pays us a small fee for the convenience of connecting them to you. This does not change in any way the price you would pay either-way.

Having 100% confidence that your small business insurance for plumbers is sorted correctly by a broker means you can get on with it and focus on growing your business more.

 WE’RE HELPING KIWI’S SAVE TIME AND

MONEY ON THEIR PLUMBING BUSINESS INSURANCES

Business-Insurance-for-Plumbers

ADRIAN

“I’ll absolutely use this service again and we’ve recommended this site to number of our friends.”

SAM

” I really appreciate how NZ Insurance Brokers service keeps things simple.”

 

ELIZABETH 

“It just made things that much easier.” 

BUSINESS INSURANCE FOR PLUMBERS

MOST COMMONLY ASKED QUESTIONS

What insurance do plumbers need?

One of the most common questions asked is what insurance does a plumbing company need?  The below list provides a brief summary of the main types of business insurance for plumbers.

Your broker however will help take away the guesswork and work with you to get your insurances set up correctly from the start. Often a simple broad policy covering all the key areas is opted for and your broker can show you how to keep your insurance simple and straightforward:

    • Plumbers Public Liability insurance
    • Plumbers Professional indemnity insurance
    • Tradesman tools insurance – ‘Business assets insurance’
    • Commercial Vehicle Insurance
    • Statutory Liability Insurance
    • Employers Liability insurance
    • Illness & Income Protection insurance
    • Private Health Insurance

To make things simple for the plumbing, gas fitter and drainlaying trades the insurance industry has created simple business owners insurance packages, providing bundled cover for the key areas.

Request a call back today and have an insurance broker contact you and go through your options.

Is it compulsory or a legal requirement in NZ to have Plumbers insurance?

Plumbers Gasfitters and Drainlayers Board – (PGDB) – we couldn’t find any specific links or guidance on their website. When contacted however a representative explained that they weren’t aware of any specific legal requirement, however members were actively encouraged to speak with an insurance broker to get guidance on properly insuring their plumbing business. They also explained that through their CPD program(page 63) they provide a general overview of relevant types of business insurance for plumbers in NZ.

New Zealand Plumbers, Drainlayers and Gasfitters Association (NZPDGA) – have a requirement where their members must hold Public Liability insurance 

Master Plumbers – Master Plumbers, who currently make up about 70% of all NZ plumbers need to hold at least $1million Public Liability insurance. However elsewhere it is recommended that $5million should be the minimum Public Liability for plumbers, gasfitters & drainlayers. 

How much does plumbing business insurance cost?

Average plumbing business insurance costs depend on the nature and size of your business.  Plumbers, gas fitters and drainlayers undertaking residential or commercial work, carry certain risks that need to be managed. Thankfully the insurance industry has created specific insurance packages designed to make it easy to get uncomplicated and broad cover in place. 

The average costs for new business insurance for plumbers in New Zealand can range from as little as ($1,700) per year to ($,3300)premium per year, depending on your likely annual turnover and desired policy limits.

How much does plumbers public liability insurance cost?

Working on construction sites inherently carries a higher average risk of injury, including the potential for injury of a third party.  Plumbers Public Liability insurance (sometimes also called General Liability) covers you in any covered claim from damage to third parties or their property. 

Plumbers Public Liability insurance isn’t something that is usually taken out by itself. Most plumbers opt for the make more cost effect and broad protection provided by the plumbing business packaged covers. If for some reason someone were to buy just Public Liability insurance the average cost in NZ of public liability insurance for plumbers in a new business is typically between ($500 – $1,200 per year), depending on your likely annual turnover and your preferred policy limits.

 

Request your plumbing insurance broker call-back here today and we’ll organise for a broker from NZ’s largest brokerage to contact you right away.

Do plumbers need professional indemnity insurance?

Professional Indemnity insurance for plumbers covers the cost of defending any legal action taken against you for an event covered under the policy.

 

It also normally covers the financial loss you are liable to pay a third party for a breach in your professional services. Sometimes referred to as ‘PI Cover’ it is widely accepted as being one of the standard covers held by plumbers operating their own business in New Zealand.

Any top tips to save on small business insurance for plumbers?

Most plumbers whether they are self-employed or not, purchase a bundled plumbing business insurance package. This type of bundled cover protects your business property along with covering the most common business risks at a meaningful discounted rate than buying individual policies for each key risk.

Cut down on your plumbing business insurance costs by getting access to one of NZ’s leading packaged Plumbers Business insurance policy. It’s easy to reduce your plumbing business insurance costs via partnering with a broker from NZ’s largest insurance brokerage.

Simply complete our quick ‘Get Quotes Now’ request form and we’ll organise a broker to ideally call you back on the same work day.

Do I need to have insurance in place before I start a business?

Arranging your cover with an insurance broker before your first job commences makes good business sense.

For the same reason you insure your house and vehicle, you can’t control when the risks to your business occur. Protecting your business right from the start makes complete sense because it’s too late to buy insurance to cover a loss that has already occurred or for work undertaken prior to having cover in place. 

Subcontractor insurance requirements – most NZ building sites have a requirement that you will need to evidence that you have sufficient cover in place before being allowed to commence work on that particular job.

Will my insurance protect my plumbing business from everything?

No, not necessarily. That’s why it’s particularly important to work with your chosen insurance broker to understand what situations are normally covered and what is not. Good business management is understanding your insurance policy and it’s limits.

That’s why we think it makes more sense to work with an insurance broker, rather than leaving it to online guesswork and trying to ‘DIY’ it.

This website cannot provide insurance advice in any form. The content is all general in nature and should not be relied upon to make any insurance decisions. Please discuss your requirements with your preferred insurance broker.

How much will getting the right plumbing business insurance cost you?

The average costs to insure an plumbing business, whether you’re a new self employed plumber or an existing commercial plumbing business with a large team, is easy to work out with the help of an experienced insurance broker from NZ’s largest insurance brokerage.

Simply make your ‘Get Quotes Now’ broker call-back request and we’ll arrange for an available broker to contact you usually the same work day.

Is my plumbing business insurance a tax-deductible expense?

Broadly speaking most costs you incur in the day-to-day running of your business are tax-deductible, business insurance is one of those typical costs.

This site cannot provide any advice(taxation or insurance advice) so we encourage you to review the Government’s Business website which has further detail regarding this. You will need to consult with your accountant/tax agent for appropriate advice in this area.

How much does it cost to use this service?

All our broker insurance quoting call-back services are provided at 100% zero cost to you.
If the insurance quote you choose to accept was via the broker requested through this website, the broker pays us a small fee for the convenience of connecting them to you. This does not change in any way the price you would pay either-way.

What can I expect once I have clicked the 'Get Quotes Now" button and requested the broker call-back?ce?

Once you’ve let us know the basic details of your plumbing business(this takes less than 1min), we’ll then send these to NZ’s largest insurance brokerage, where an available broker will contact you and start work on your quotes. 

During standard work days the insurance broker can normally provide your call-back on the same day as your request.

You’re only 3 clicks away from requesting your plumber insurance broker call-back.