What is plumbers' insurance?
Business insurance is there to make sure that should the worst happen when you’re working, you’re protect against any claims. For plumbers, a business insurance policy would typically be made up of a combination of covers including:
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Employers’ liability insurance (if you have anyone working for you)
You may also want to consider adding some optional additional covers to your policy, such as legal expenses.
Do I need plumber insurance?
Yes, all businesses need insurance. This is so that you won’t have to take on the financial responsibility of paying compensation if someone makes a claim against you.
For example, say you leave some tools on the floor while you’re under your customer’s sink inspecting a pipe. Now, if someone was to come into the room and get hurt because they tripped over that tool – you’d be liable. With business insurance, you’ll be covered for the compensation costs, but without it, you’ll be responsible for paying these costs yourself.
What does business insurance for plumbers cover?
What you’re cover for will depend on the covers that you choose. Here are some of the main covers for plumbers consider, and what you’ll be covered for.
Public liability insurance to make sure you’re protected in case someone gets accidentally injured, or their property gets damaged because of your business.
Employers’ liability insurance is a legal requirement if you have anyone working for you. It covers anyone that works for your – whether that’s full or part time, paid or unpaid. It’ protects you if someone you employee falls ill or gets injured as a result of working for you.
Tools insurance will protect your tools – either own plant or hired-in plant – if they get lost, stolen or accidentally damaged in your care.
Can I get cover for my workshop?
Yes, as an optional extra, you can add workshop cover to your plumber's insurance policy. This covers the contents including tools, machinery, stock, and computer equipment at your premises. You can set a cover level tailored to your workshop’s value.
Who is covered with business insurance for plumbers?
We can offer you cover if you’re a:
- Gas engineer
- Gas fitter
- Heating services
- Ventilation services
- Different types of plumbers
How does public liability insurance for plumbers work?
Public liability insurance can help plumbers in case of third-party accidental injury or damage. It’s particularly important to tradesmen, as you’ll be working in other people’s homes amongst their prized possessions. And accidents happen.
Say a pipe that you’ve installed bursts and causes extensive flooding, damaging the furniture. Would you be able to cover the cost of damages alone if your client made a claim?
With public liability insurance for plumbers, you’ll get up to £5m liability cover to help you handle any compensation fees and legal costs that arise as a result of a claim.
You’ll also get:
- Temporary staff covered for up to 50 days a year, free
- £250 compensation per day for court attendance to defend a claim made against you
- Option to pay monthly
- Access to a 24-hour legal hotline
Do plumbers need professional indemnity insurance?
Professional indemnity insurance is only required if you’re going to be giving advice or designs to customers. For most plumbers, this isn’t required, but if this is something you offer then you should consider professional indemnity when getting a quote.
How much does plumbers’ insurance cost?
No two business insurance policies are the same, and neither are their premiums. The best way to find out what your policy would cost is to get a quote with us. You can do this online in a matter of minutes.
Get a business insurance quoteWhat other trades do you cover?
We cover a number of trade professions, so even if you’re not a plumber we may still be able to offer you cover. Here are just a few of the trades we cover:
Can’t see your occupation on the list? Try our handy occupation A-Z to see what cover we can offer you.
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*This discount is applied automatically and lasts for the lifetime of your policy.