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Insure your plumbing business for liability with zero hassle
Plumber insurance is a public liability policy that protects plumbers against claims made by the public for injuries or property damage resulting from plumbing work. It ensures plumbers can focus on their trade without worrying about potential legal or financial liabilities.
In partnership with some of the leading UK insurers, we’ll not only get you a better plumber insurance deal with the best cover available, we work hard to keep you as a customer year after year.
Whatever you do for business, whether you’re a sole trader or limited business owner, we understand that you need to protect your livelihood.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We compare the market to find the right deal for you as a plumber.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a plumber liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
What is plumber insurance?
It covers a range of scenarios where your plumbing business could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to plumbers for several reasons:
- Business reputation: Having plumbers insurance demonstrates that you are a professional who takes accountability seriously.
- Financial protection: Plumbing work often involves risks, such as leaks or structural damage. Insurance ensures you’re not left covering costly claims out of pocket.
- Legal compliance: Many homeowners and contractors expect plumbers to carry liability insurance before hiring them.
The benefits of a plumber insurance policy
From the tools you use to the people working alongside you, being a plumber comes with risks. Public liability insurance helps protect your business if someone is injured or their property is damaged because of your work.
Public liability cover for plumbers:
Personal injury claims
Covers claims if someone is injured due to your plumbing work, such as a wet floor or faulty installation.
Damage to property
Protects against claims for accidental damage to a customer’s home or belongings.
Legal protection
Assists with legal defence costs associated with claims.
* Subject to your chosen level of policy cover and the prevailing policy excess.
Power up your insurance with additional cover for plumbers
- Employers’ liability insurance: Required by law if you have people working for you. Covers claims from employees who suffer illness or injury due to their work.
- Tools insurance: Covers loss, theft, or damage to your tools. Including hand tools, power tools, and specialist equipment.
- Stock insurance: Protects the supplies you keep in stock for plumbing jobs. Covers theft, damage, or loss, on-site, in a vehicle, or at your premises.
- Contract works insurance: Protects plumbing work in progress if damaged by events like fire, flood, or vandalism. Covers the labour, tools, and materials needed.
How much does plumber insurance cost?
This depends on the nature and size of your plumbing business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Type of cover
The level of cover you select influences the cost of insurance. Standard policies start at £1 million, with options for £5 million or £10 million for more complex projects.
Nature of business
As a plumber, your work involves varying levels of risk. Trades with higher exposure to potential damages, such as water leaks, may face higher premiums.
Location
The locations where you work matter. Working in areas with a higher likelihood of potential claims due to crime or vandalism can result in increased costs.
Business size and turnover
Larger plumbing businesses or those with higher turnover usually need broader policies, which can result in higher premiums.
Number of employees
Employing more workers means increased risk, as more staff raises the likelihood of a claim, potentially driving up insurance costs.
Claims history
A claim history can influence premiums. Fewer claims or none at all may help secure more competitive pricing from insurers.
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