What Is Plumbers Insurance?
Is there anything better than fixing that leaky pipe, repairing the heating, cooling or water systems for a commercial client? Or assisting with maintenance of domestic appliances such as dishwashers and gas cookers, and seeing the appreciation on your clients’ faces? It may not be the most glamorous of jobs, but what you do is the foundation for functional homes and businesses, and should be commended. Here at The Insurance Octopus, we can create suitable quotes for a range of plumbers’ needs, ensuring that you have the right level of cover. With us, you can mix and match the level of protection you want, only paying for the cover you require. We work with a wide panel of insurance partners, and a professional team that takes the time to listen to your business needs, we can offer you the best deals out there.
You could have a quote in a matter of minutes. Just fill in our insurance quote form, or ask for a call back, and we’ll guide you through the process, and what’s suitable. Policy upgrades are simple too, and what’s more, we don’t charge administration fees for mid-term adjustments – keeping your money where it belongs – with you.
What may be included in a Plumbers Insurance policy?
Contract Works Cover
If the site you’re working on is destroyed or damaged during the project, we’ll cover you against any loss, ruin or damage, allowing you to continue without any new costs.
Public Liability Insurance
Covers you against any claims of injury, harm or property damage brought by clients and members of the public.
Professional indemnity insurance
If you give plumbing advice or recommend projects that cause financial loss due to its design, or clients feel as if mistakes have been made, this policy covers legal costs and any compensation, should they be required.
Employers' Liability Insurance
Have part-time, full-time or voluntary staff? You’re required by law to protect them in cases of injury or illness, and we offer £10m cover as standard.
Why you need Plumbers Insurance
There are many risks associated with being in a trade specific occupation, and there are areas of risk that you may need to consider when looking for business insurance. It’s important to ensure you’re fully covered in the event of something going wrong.
Your business insurance policy from The Insurance Octopus will include fundamental elements of insurance that a tradesman or contractor could need whilst working including liabilities, full tool and equipment cover. You can also add additional covers and we will endeavour to help you tailor your Business Insurance Policy to the needs of your business.
In addition to our standard Tradesman Insurance package, if you are a specialist in a particular field of trade you may need to amend your policy to be specific to your business. Remember you can specify areas such as working up to 50 meters in height, having over 75% of your work using heat or working deeper than the standard 2-3 meters.
Plumbers Insurance FAQ's
Am I covered for tools stolen from an unattended vehicle?
If the vehicle is on-site, and the specifics of the incident meet the conditions specified in your tradesman and contractors insurance policy, then theft of tools is covered. Be sure to read the details of your policy – it may be that a vehicle left unattended that wasn’t locked may be contentious when it comes to making a claim against theft.
Is public liability insurance legally required for plumbers?
Public liability insurance is not actually a legal requirement. However, it’s a necessary cover to have in place as it will ensure that your business is protected financially. It will also make sure that the interests of the public and your clients are protected. To not have public liability insurance can be off-putting to certain clients, as it can mean that you will be unable to cover costs for legal proceedings, repairs or injury should anything happen to you, your clients or a member of the public.
How does tool cover work for my trade?
Even the most careful plumbers can experience damage or loss to their tools. And when misfortune strikes, it can be expensive to change. Tool cover is not a legal requirement, but it ensures that if anything happens to your tools, you’ll be able to regain the equipment that enables you to do your job. Whether your tools have been stolen, damaged, lost or broken, this cover will protect you from the large expenses that may occur when it’s time to replace your tools.
Giving self employed plumbers and plumbing
businesses the cover they need to carry out their duties
Personalised insurance quotes
When you’re considering taking out a policy, one of The Insurance Octopus’ specialists will discuss your business requirements with you and compare personalised quotes from a number of major insurance providers. You will get a bespoke policy that ensures you only pay for the cover you need.
Same day cover available
In most cases, we can provide you with your business insurance and documents on the same day (subject to time of day restrictions), offering a range of flexible payment options, including Direct Debit. Get in touch with us today for more information.
Why choose The Insurance Octopus for Plumbers Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen – with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We’ll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
No mid-term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How insurance for plumbers works
Examples of Plumbers Insurance in action
Unlucky Plumber Causes Expensive Property Damage
An experienced plumber is forced to reroute water pipes in a hospital without turning off the water supply, which is needed 24/7 for the hospital’s surgical wing. Unfortunately, a pipe is broken and water begins gushing into the ceiling cavity which soon causes the ceiling to collapse. Once the situation is under control, the damage done amounts to £40,000, and the plumber is found to be liable for it. His Public Liability Insurance foots the bill, which would otherwise have bankrupted his company.
Other types of Tradesmen Insurance we can provide
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