Plumbers insurance covers the specific risks faced by plumbing contractors, including public liability, tools cover, and employers liability. This guide explains what is covered and how to arrange a suitable policy.
Most plumbers need public liability insurance as a minimum. If you employ staff, employers liability insurance is a legal requirement. Tools cover protects your equipment against theft and damage. If you carry out gas work, you must be Gas Safe registered.
Public liability insurance covers claims from third parties for property damage caused by your work, including water damage. However, cover for the cost of rectifying your own faulty workmanship is not typically included in a standard public liability policy.
Gas Safe registration is not required to obtain plumbers insurance, but if you carry out gas work you must be Gas Safe registered. Insurers will ask about the type of work you undertake when assessing your risk.
Yes. Sole traders can arrange public liability, tools cover, and employers liability insurance. If you use sub-contractors, you may also need to declare this to your insurer.
Call us on 01733 263311 or request a call-back. Our brokers will discuss your trade, the type of work you undertake, and your cover requirements before approaching the market.
Cover is subject to underwriting, insurer terms and acceptance