Plumbers Insurance
Plumbers Insurance
As a plumber working in business, residential and new build properties, Plumbers Insurance provides peace of mind for you and your customers, against the risks and liabilities that you may face on a day-to-day basis.
Plumbing leaks and escaping water can be unforgiving in the damage it causes, and with the best will in the world, things can go wrong. Having to foot the repair bill for any property damage on top of legal fees, could mean you are well out of pocket. Plumbers Insurance protects you against these financial losses, allowing you to continue your vital work with peace of mind.
Why you need Plumbers Insurance?
Like many of the contracting trades, the plumbing profession is not without risk. Whether you’re a sole trader or larger business, your plumbing activities in the domestic, commercial, and industrial sectors needs protecting. If you are part of a trade association such as the Association of Plumbing and Heating Contractors (CIPHE) or Corgi Registered, verification of Insurance would be required prior to membership inclusion.
What is included in a Plumbers Insurance policy?
Typical insurance covers include;
- Public Liability Insurance
Protection against property damage or injury to the public as a result of your plumbing activities. - Employers Liability
Protection against injury or illness for your staff resulting from any of your business activities. - Contract Works
- Tools and Equipment
- Legal Expenses
What specialist covers can I add to Plumbers Insurance?
Business Tools Insurance covers your tools and equipment from theft, vandalism, and natural disasters, and it is important to let your broker know if you carry or store these in a van as it may affect what policy you take out. Personal Injury and Business Interruption cover protects you in case you are unable to work for an extended period due to an injury that occurred either in or outside of work, or in case of an unexpected event. If you conduct HVAC or refrigeration services these can be included in Plumbers Insurance but are noted as different trades, so it is important to notify your broker during the consultation period.
Why choose Konsileo for your Plumbers Insurance?
We understand how closely you work with your clients and how your business is your livelihood. Our specialist team of brokers have a multitude of experience dealing with every type of plumbing work and their risks, tailoring policies to your needs so you can carry on the essential work you do without worry.
Frequently Asked Questions
Plumbers insurance is specialist business insurance designed to protect self-employed plumbers, plumbing contractors, and plumbing businesses against the risks they face while working. Depending on your business needs, a plumbers insurance policy can include public liability insurance, employers' liability insurance, tools and equipment cover, professional indemnity insurance, contract works insurance, and commercial vehicle insurance. The right cover helps protect your business from financial losses caused by accidents, property damage, theft, or legal claims.
The type of insurance a plumber needs depends on the work they carry out, but many plumbing businesses benefit from:
- Public liability insurance
- Employers' liability insurance (if you employ staff)
- Tools and equipment insurance
- Contract works insurance
- Professional indemnity insurance (if providing advice or design services)
- Commercial vehicle insurance
Choosing the right combination of cover helps protect your business, your reputation, and your livelihood.
Yes. Public liability insurance is one of the most important types of insurance for plumbers. It protects your business if your work causes injury to a third party or damage to their property. For example, if a plumbing installation results in a water leak that damages a customer's home, public liability insurance may help cover legal costs, repairs, and compensation, subject to the policy terms. Many commercial clients also require proof of this cover before work begins.
Many plumbers insurance policies include optional or standard cover for tools and equipment. This can protect your owned or hired tools against theft, accidental damage, fire, or vandalism, depending on the policy wording. As specialist tools are essential to your work, having this cover can help minimise downtime and avoid unexpected replacement costs if equipment is lost or damaged.