Plumbers Insurance
Protect your plumbing business with comprehensive insurance from £31/month*. Get instant cover for public liability, tools, and equipment in just 90 seconds.
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Rated 4.8 out of 5| 4500+ reviewswhat is plumbers insurance?
Whether you’re fixing a leaking tap or unblocking a drain for a customer, things can quickly go wrong – so when something unexpected happens, plumbers’ insurance can help protect your business.
Plumbers’ insurance is a range of different insurance types all under one policy. This is so you can choose which cover options you need for your specific business. For example, you can have public liability, contract works, professional indemnity or even tools insurance to protect your kit. This way, no matter what job you take on, you’ll have peace of mind knowing that you’re covered.
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Do I need plumbers’ insurance?
As a plumber, you understand the risk that comes with your job. Water damage isn’t cheap and - even if you always want to work to your highest standard - accidents can still happen. For example, if you fitted a pipe incorrectly and this caused a leak in a client’s house, the damage caused could cost you a hefty amount. Public liability would cover you for property damage and the costs of putting things right. Or, one of your employees could be injured in the course of working for you, and take legal action against you for compensation. In this case, employers’ liability would cover all your fees from defending this claim.
Insurance isn’t a legal requirement for plumbers (unless you have employees, in which case you will need employers’ liability insurance). However, customers may ask for proof of insurance before you start a job, and some professional bodies require you to have the correct insurance in place before you join.
At TradesmanInsure, we understand that each plumber has different needs, so you can tailor your policy to suit you, all hassle-free.
what does plumbers insurance cover?
Our plumbers’ insurance policy is tailored specifically to meet the needs of plumbers. Here are some of the key covers we offer:
Public liability insurance
Public liability insurance is a core part of an insurance policy for tradespeople. It’s there to cover you for accidental injury caused to a third party (or damage to their property) while you’re on the job. If you work with the public or clients, this insurance will help cover your legal fees and compensation costs if someone files a claim against you. There’s always a risk of causing injury or property damage, and facing costly legal action as a result, so having public liability insurance can protect your livelihood if the worst happens.
Tools insurance
At TradesmanInsure, we know how crucial your tools are for your plumbing work. Our policy covers the cost of replacing or fixing tools that are lost, damaged, or stolen due to a fire, flood, or theft from your van. You can choose between regular 8am-6pm cover or 24/7 cover to fit your needs. Whether it’s your hand tools like hammers and screwdrivers or power tools like nail guns, our tools insurance has got your back, ensuring your projects stay on track.
Professional indemnity insurance
Professional indemnity insurance is there to cover you if your advice, designs, or expertise end up causing a customer to lose money. For instance, say you’re hired to advise on a heating system installation. If that heating system turns out to be unfit for purpose, you could be on the hook for the costs of putting your mistake right. This could drain your finances and future projects, so professional indemnity insurance can help to cover the costs from any negligence claims.
Employers’ liability insurance
If you have employees, employers’ liability is essential. This cover provides benefits to your employees if they are injured or become ill as a result of their work. It covers medical expenses, lost wages, and rehabilitation costs, ensuring your team is taken care of. In the UK this insurance is legal required , so it’s worth looking into this insurance or you could find yourself in hot water.
Unless you are exempt from paying employers’ liability insurance, the Health and Safety Executive (HSE) can fine up to £2,500 a day for businesses who don’t have the necessary cover in place. You can also get fined if you fail to display your employers’ liability insurance certificate.
Legal expenses insurance
If you find yourself in a legal dispute, legal expenses insurance can help by covering your legal fees, court costs and other associated expenses such as the costs of hiring solicitors or experts, so you can focus on running your business. For example, if a customer refuses to pay you after assembling their furniture, legal expense insurance can cover the cost of hiring a solicitor for legal advice on how to resolve the issue.
Occupational personal accident insurance
Occupational personal accident insurance is a safety net for a plumbers, ensuring financial protection when you face an injury or accident on the job. Whether you’ve had a minor mishap that keeps you off work for a few weeks or had a life changing accident, this insurance steps in to cover a range of incidents. This policy is there to make sure you’re financially supported during your recovery period, so you can focus on getting back on your feet without fretting over lost income.
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how to get plumbers insurance
To get a quote, fill out our quick and easy online form. Just answer a few questions about your trades business and get a custom quote in no time.
You can spread the cost of your insurance over 10 interest free monthly payments, or you can pay it all at once.
why choose tradesmaninsure?
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4.8/5 customer rating on Feefo. With over 4500 reviews, you don’t have to take our word for it.
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25+ years’ experience of insuring tradespeople. So you can rely on us to provide the insurance you need.
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Easy online cover. Receive a tailored quote for your trades business in 90 seconds by filling in our quick and easy quote form.
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24/7 legal advice. You can access expert information and guidance with our legal advice helpline, whenever you need it.
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