Plumber Insurance

This section provides an overview of plumber insurance – what kind of insurance you need as a plumber, where you can get it, and how much protection you actually need:

Why do plumbers need insurance?
What type of insurance do plumbers need and what level of cover?
Why compare plumber insurance with Coverzones?

Why do plumbers need insurance?

Plumbers insurance is essential for anyone working in the trade, regardless of which area, from kitchens and bathrooms to central heating and drainage. Insurance for plumbers includes cover for errors you or your staff might make, as well as protecting you against compensation claims from your employees. If you belong to a professional association of plumbers, Professional Indemnity Insurance will normally be mandatory. And if you employ people, you are required by law to hold Employers Liability Insurance.

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What type of insurance do plumbers need and what level of cover?

Plumber insurance includes several different types of cover:

• Professional Indemnity Insurance for plumbers: This covers you for mistakes made by you or your employees that could cost your clients money and result in legal claims made against you. Flooding of a business premise for example, or gas work that goes wrong. Your professional body will be able to advise you on the appropriate level of Professional Indemnity Insurance for your business.

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• Public Liability Insurance for plumbers: This covers your business for compensation to members of the public for injury, death, or damage to their property. As you regularly come into contact with members of the public, which includes customers, this cover is strongly recommended. How much cover you need depends on the nature and size of your business, but a small business will usually have a minimum of £1m Public Liability cover.

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• Employers Liability Insurance for plumbers: This covers the cost of compensation for death or injury caused to any of your employees while they are working for you. Anyone who has employees or sub-contracts staff must have a minimum of £5m cover by law, and this includes apprentices, day release students or temporary contractors working on your behalf.

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• Tradesman Insurance for plumbers: This is a package that combines the different kinds of insurance you need into one policy, and enables you to bolt-on other cover you thin is important. For example, you might want to cover your tools, goods in transit, product liability, or legal expenses. Tradesman cover enables you to tailor insurance precisely for the needs of your business and could save you money.

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Why compare plumbers insurance with Coverzones?

With Coverzones, comparing quotes and cover for your plumbing business insurance is fast and easy – you can do it all online in a few minutes. By showing you a choice of different policies from a range of insurers, we can help you identify the best deals and make a significant saving.

We can also make it easier to manage your insurance. Simply store all your policy details on our secure server; it costs nothing, and you’ll be able to access them at any time to amend, renew or cancel.

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