Insurables — Australian business risk, sourced and dated

The trades regulated as something else

In short

  • In Victoria, roofing work and refrigerated air-conditioning work are both regulated as classes of plumbing, not as their own trades.
  • That is not a naming quirk. It means a Victorian roofer or air-conditioning technician carries the compulsory insurance condition that attaches to licensed plumbing work, because that is the licence class the work actually falls under.
  • A tradesperson checking "does my trade carry an insurance condition" can get the wrong answer if they check under the trade’s common name rather than the licence class the regulator actually files it under.

Most trades are licensed, or not licensed, under a category that matches how the work is commonly described — a roofer is licensed as a roofer, a painter as a painter. Victoria breaks that pattern for two trades in a way that is easy to miss and has a real consequence for insurance.

This page sets out where the work is actually filed, and why it matters for anyone checking whether a licence condition applies.

Roofing is a plumbing class in Victoria

Roofing work involving stormwater is regulated in Victoria as a class of plumbing — specifically roofing (stormwater) — under the state’s plumbing licensing framework, rather than as a distinct roofing trade with its own licence category. A Victorian roofer doing this work is, for licensing purposes, a licensed plumbing practitioner in that class.

That has a direct consequence for insurance, because Victoria’s compulsory public liability minimum for licensed plumbing work applies to the class as a whole. A Victorian roofer carrying out roofing work in the plumbing class carries the same compulsory condition a general plumber does — not because roofing is separately singled out, but because it sits inside the plumbing licence framework.

Air-conditioning is a plumbing class too

Refrigerated air-conditioning work is regulated the same way. Victoria licenses it as a main class of plumbing work under its plumbing regulations, alongside a restricted electrical registration requirement for the electrical component of the same work. A Victorian air-conditioning technician doing refrigerated work is, again, a licensed plumbing practitioner for that class.

The same consequence follows: the compulsory public liability minimum that applies to licensed plumbing work in Victoria applies to this class too, carried through the plumbing licence rather than through any separate air-conditioning-specific requirement.

Why this trips people up

The natural way to check whether a trade carries an insurance condition is to search for that trade by its common name — "roofing insurance requirement," "air conditioning licence Victoria." That search can genuinely miss the answer in Victoria, because the condition is filed under plumbing, not under the trade name most people would use first.

For a business quoting comparable work in another state, this also complicates a straight comparison. Roofing and air-conditioning work regulated as their own categories elsewhere are regulated as plumbing in Victoria, and comparing "the roofing condition" between states without accounting for that can compare the wrong things.

Questions

Does a Victorian roofer need a separate roofing licence in addition to the plumbing licence?
Based on the confirmed classification, roofing (stormwater) work is itself a class within the plumbing licensing framework rather than a separate credential layered on top of it — the plumbing class is the licence for this work.
Are other states likely to classify roofing or air-conditioning as plumbing too?
This page reflects what was confirmed for Victoria specifically. Other jurisdictions were checked against their own guidance for these trades and did not show the same classification in the material reviewed, so this is described as a Victorian finding, not a general Australian pattern.
If I am checking whether my insurance meets a Victorian licence condition, which condition do I check — a roofing one or a plumbing one?
The plumbing condition, because that is the licence class the work is actually held under. Looking for a roofing-specific insurance requirement in Victoria will not find one, because the requirement lives with the plumbing classification.

Sources

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