What is Plumbers Insurance?
A Plumbers’ Insurance policy is made up of various types of cover to ensure every aspect of your plumbing business is properly protected from the risks you face in your line of work.
This includes the work you do, the people you meet while on the job, other peoples’ property, your tools, equipment, and more.
Typically, plumbing and drainage cover could include:
If you employ anyone to help with your plumbing company, you will need employers’ liability (EL) insurance. Unless that person is a family member, you must have EL insurance by law, even if you only employ people on a temporary or casual basis.
This part of your plumber insurance will offer your business protection should one of your team be injured or fall ill while working for you. For example, if your apprentice slices a finger while using the pipe cutters. Your EL insurance will help to pay any compensation or legal costs you’re liable for as an employer.
Public liability insurance is arguably the most important aspect of your plumber cover.
If a third party (a customer or member of the public) claims to have been injured, suffered a loss, or damages because of your work, public liability insurance can help to cover compensation and legal costs.
Imagine receiving a call back to a job to let you know there’s been a leak, which has caused severe water damage to a homeowner’s property. Without the correct insurance, you could be liable to pay for repairs and cover the cost of replacing damaged property from your own pocket.
Some contractors try to save money by looking for cheap public liability insurance for plumbers, but you must make sure you select an appropriate level of cover for the risks you’re exposed to.
As a plumber your tools and equipment are your bread and butter. That’s why it’s so important to get the right plumbing business insurance in place.
We’ll talk to you about the amount of cover needed for your tools, and ask specific questions about tool storage and security, to get you the most appropriate cover for your business.
Should your tools be lost, damaged, or stolen, then your policy will offer peace of mind that you can replace them and get back on the job as quickly as possible, helping to minimise disruption and financial losses.
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Plumbers Insurance optional extras
Our brokers will help you to create a tailored Contractors All Risk Insurance policy to suit the specific needs of your project. Some of the additional cover we can arrange includes*:
Contract Works Insurance
This will make sure your contract works are reinstated or repaired should they become damaged during the construction project.
If your construction company was faced with legal costs, for example, a client dispute, legal expense insurance will help to cover the costs involved.
Professional Indemnity Insurance
If a client loses money because of your professional advice, professional indemnity insurance will cover any legal costs that may result.
*Limitations and exclusions apply to all these add ons
Who needs Plumbers Insurance?
Whether you’re a one-man band, a small team, or you own a large plumbing company, you may need Plumbers’ Insurance.
The right Plumbers’ Insurance policy will make sure you’re adequately covered for jobs you attend, whether that be at a customer’s home, a commercial premises, or a construction site.
Why use GoSkippy 4 Business?
Whether you’re looking for small business insurance for plumbers, commercial plumbing insurance, or plumbing company insurance, we’ll take great care of your plumbers’ insurance needs.
We are an insurance broker with experience in this industry sector, established relationships with market-leading insurers whom we will use to find you the best deal we can offer.