Plumbers Insurance

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What is Plumbers Insurance?

Plumbers insurance is specifically designed to cover plumbers whether it be for domestic jobs or commercial work. A plumbers policy falls under the umbrella of tradesman insurance.

An insurance policy for a plumbing business will be tailored to cover the work you carryout. This can include public liability cover, tool cover, personal accident cover and more.

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We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

Plumbers Insurance

What our Comparison Expert Says

‘Plumbers are never short of work! In fact, you can often find them tearing around from job to job trying to help as many people as they can. A plumber can also work on some very large jobs. Therefore, we always recommend having a proper plumbers insurance policy in place to protect you.’

- Michael Tribe

How our process works

We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.

Complete Our Quick Quote Form

Provide us with a small amount of information on our quick and easy form. If you don’t want to fill out our form, simply give us a call instead and 1 of our agents will do it for you!

Specialist Brokers Are Compared

We look at your individual needs and find you brokers who can save you the most and offer you the best value for money.

You Receive Plumbers Insurance Quotes

You’ll receive multiple quotes tailored specifically to your own insurance needs.

You Save Money

Once you have all the quotes you’d like, you pick the right policy for you at the best price.

What’s Covered By Insurance For Plumbers?

A plumber will find themselves working on a wide range of jobs.  This includes everything from water works within someone’s home to a boiler replacement where gas is handled.

Public Liability Cover

Public liability insurance for plumbers is designed to insure you against claims from members of the public.

Property Damage

Covers costs if the plumber accidentally damages a client’s property.

Bodily Injury

Protects against claims if someone is injured due to your work.

Legal Cover

Covers legal fees and settlements if the plumber is sued over accidents or damages caused by their work. Also known as ‘legal expenses cover’.

Faulty Workmanship

Addresses claims related to errors or negligence in professional services.

Advice & Consultation

Covers issues arising from professional advice or consultation services provided to clients.

Vehicle Insurance

Covers damages and liabilities related to accidents involving business vehicles such as vans.

Theft & Vandalism

Provides protection against theft or vandalism of business vehicles.

Employers Liability Insurance

Protects the business if it’s found liable for an employee’s work-related injury or illness.

Tools & Equipment Cover

Tools insurance covers the cost of repairing or replacing tools and equipment due to theft, loss, or damage.

Business Interruption

Compensates for lost income and operating expenses if the business is temporarily unable to operate.

Personal Accident Cover

Personal accident insurance is designed to cover you against damage or injury to yourself. If you need to take time off to heal, you can look to claim on personal accident cover.

This insurance is tailored to the unique risks faced by plumbing professionals, offering a safety net that helps maintain financial stability and credibility in the face of potential setbacks. Every contractor should have some form of the above.

Who Needs Plumbers Insurance?

Plumbers insurance is essential for a broad range of professionals in the plumbing industry, including:

  1. Independent Plumbing Contractors: Self-employed plumbers or small business owners who perform plumbing work need this insurance to protect against liabilities and financial losses related to their work.
  2. Plumbing Companies: Larger plumbing businesses, including those with employees, require this insurance to cover the broader scope of risks associated with managing a team, multiple projects, and larger contracts.
  3. Apprentice Plumbers: While typically covered under their employer’s policy, apprentice plumbers may consider their own insurance, especially if they do side jobs independently.
  4. Plumbing Subcontractors: Subcontractors hired by general contractors should have their own plumbers insurance, as they might not be covered by the general contractor’s policy.
  5. Specialized Plumbers: Those who specialize in specific areas like gas plumbing, pipe fitting, or steam fitting also need this insurance for protection tailored to their unique risks. This includes many tradespeople such as: gas fitters, drain cleaners, bathroom installers, fireplace installation, air conditioning engineers, heating and ventilation engineers and refrigeration technicians.
  6. Emergency Plumbers: Plumbers offering emergency services often face unpredictable situations and heightened risks, making insurance crucial.
  7. Plumbing Consultants: Professionals who provide consulting services in the plumbing industry should have insurance to cover risks related to advice and professional recommendations.

Having plumbers insurance is not only a prudent business practice to manage risks but often a requirement by law, clients, or trade associations. It provides peace of mind and financial protection, ensuring that plumbers can focus on their work without worrying about potential liabilities.

Frequently Asked Questions

Yes, you will be able to add additional trade activities to your policy.

For instance, if you also carryout our electrical work, you can add electricians insurance to you overall cover.

Only gas safe registered engineers may instal or carryout work on both domestic and commercial gas heating systems.

Although insurance is not a legal requirement, you will likely find that no one will use you unless you do have insurance for gas.

Working with gas is high risk, it is certainly suggested you have proper insurance.

The cost of your plumbing insurance will differ based on a number of aspects.

These include things like your experience, claims history and the exact activity you wish to carryout within your plumbing business.

If you only work with water in domestic settings and have a good claims history, then you will probably be able to get a cheap plumbers insurance policy.

You should always be truthful though when applying for quotes. In the event of a claim where you have not told the truth, it is likely that you won’t be paid out.

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