Insurance for Plumbers
Tailored insurance for plumbing and heating contractors. From emergency call-outs to bathroom installations, we arrange comprehensive cover for the water damage risks and liability exposures unique to your trade.
Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf from a panel of insurers. Policy terms, conditions, and exclusions apply.
Insurance Solutions for Plumbers
We arrange a range of insurance products tailored to the specific needs of your trade.
Public Liability Insurance
Essential cover for water damage, flooding, and injury claims arising from your plumbing work.
Learn moreProfessional Indemnity
Protection for design work, incorrect specifications, and professional advice errors.
Learn moreEmployers' Liability
Required cover for employee injuries including scalds, slips, and manual handling injuries.
Learn moreTools & Equipment Cover
Protection for your tools, pipe-freezing equipment, and specialist plumbing instruments.
Learn moreCommercial Vehicle Insurance
Cover for your van and the tools, materials, and stock carried inside.
Learn moreContract Works Insurance
Cover for larger bathroom and heating installations until completion.
Learn moreUnderstanding Your Risks
Every trade has unique exposures. Here are the key risks we help plumbers protect against.
Water Damage & Flooding
Burst pipes, failed connections, and leaks can cause extensive property damage. This is the most common claim for plumbers.
Scalding & Burns
Hot water and heating system work creates risk of scalding injuries to both workers and customers.
Property Damage During Work
Accidental damage to floors, walls, and fixtures during installations and repairs.
Legionella Liability
Incorrectly maintained water systems can lead to Legionella outbreaks and serious illness claims.
Tool Theft
Plumbers' vans containing valuable tools and equipment are frequently targeted by thieves.
Faulty Installation Claims
Defective work discovered after completion can result in costly remedial work and damage claims.
Why Choose Specialist Trade Insurance?
Generic business insurance often leaves gaps in cover for trade-specific risks. Specialist policies are designed with your profession in mind.
- High limits for water damage and escape of water claims
- Cover for work on domestic and commercial premises
- Protection for heating system installations
- Tools in transit and on-site cover included
- Cover for emergency call-out work
- Protection for subcontractor arrangements
Information for Your Quote
- 1Business name and trading address
- 2Number of employees and subcontractors
- 3Annual turnover
- 4Types of work undertaken (domestic/commercial)
- 5Whether you do gas work (Gas Safe registration)
- 6Maximum contract value
- 7Claims history for the past 5 years
- 8Details of any specialist work (underfloor heating, etc.)
Frequently Asked Questions
Does plumbers insurance cover water damage I cause?
Do I need separate insurance for gas work?
What about work on unoccupied properties?
Are my tools covered if stolen from my van?
Do I need professional indemnity as a plumber?
Insurance for Other Trades
Ready to Protect Your Business?
Get in touch with our team for a no-obligation quote tailored to your trade.
Monday – Friday, 9:00am – 5:00pm