Plumbers Public Liability insurance
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Understanding the problem:
Plumbing work is essential, but it comes with its fair share of risks. A burst pipe can cause extensive water damage, a faulty installation can lead to injuries, and even a simple mistake can result in costly claims against your business.
Finding the solution:
With the right public liability insurance, you can protect your business from the financial fallout of unexpected events. At Trade Direct Insurance, we specialise in comprehensive and affordable public liability insurance specifically designed for plumbers like you. Our policies offer the peace of mind you need to focus on what you do best – delivering quality plumbing services.
Plumber's Public Liability Insurance explained
Public Liability Insurance is a crucial safeguard that covers the cost of claims made against you by third parties (clients, members of the public) for:
Injury
If someone gets hurt due to your work, your insurance can cover their medical expenses and compensation.
Property Damage
If your work accidentally damages someone's property, your insurance can cover the repair or replacement costs.
Legal Expenses
In the event of a claim, your insurance can help cover legal fees and court costs.
Why choose our Public Liability Insurance for plumbers?
We understand the unique challenges plumbers face. That's why our policies are:
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Tailored for plumbersWe offer competitive premiums, priced to reflect your business circumstances. | |
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AffordableWe offer competitive premiums, priced to reflect your business circumstances. | |
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Backed by expertsOur team of experienced insurance professionals is here to guide you through the process and provide support when you need it most. | |
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Efficient claims handlingWe pride ourselves on fast and fair claims processing, so you can get back to business as quickly as possible. |
Essentials
Our plumber's Essentials package includes Public Liability insurance and cover for Financial Loss.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Financial Loss £100,000
Classic
Our Classic package builds on the Essentials by offering Professional Indemnity cover as well as Accidental Death and Tools cover.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
Plus
Our most popular option, the Plus package builds on the Classic by further adding Personal Accident cover, which can be increased based on your needs.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
- Personal Accident cover up to £600 a week per person
Extras
Looking for extra insurances for your building work? We have a list of optional extras to give you the cover you need:
- Contract Works
- Owned Plant
- Hired in Plant
- Jury Service cover
Who and what we cover
Sole traders, partnerships, limited companies and limited liability partnerships
Plumbers and HVAC engineers
Individuals and SMEs specialising in installation, maintenance or general plumbing work
Businesses with turnover of up to £3 million
Additional related cover for plumbers
Beyond public liability, we offer a range of additional coverage options to further protect your business:
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Tools and equipment coverTools insurance can safeguard your valuable tools and equipment against theft, loss, or damage. | |
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Professional IndemnityWith our reliable professional indemnity insurance, you’ll receive protection against claims resulting from incorrect professional advice supplied to clients. | |
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Accidental Death coverProtect yourself from the high cost of legal fees in case of a dispute or claim. These types of cover are available as part of our Classic and Plus packages. We also offer optional coverages, such as Contract Works insurance, which your business may need on a situational basis. For more information or guidance, our approachable and knowledgeable customer service team is here to help. |
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FAQs - Public Liability Insurance for plumbers
1. Do I really need public liability insurance as a plumber?
Even if it's not legally required, it's highly recommended for plumbers due to the inherent risks involved in the work. Without it, a single claim could financially cripple your business.
2. Who doesn't need public liability insurance?
While most businesses benefit from public liability insurance, those operating in low-risk, office-based environments may not need it. However, if you visit client premises or work on-site, it's essential to have this coverage.
3. What does public liability insurance not cover?
Public liability insurance typically doesn't cover employee injuries (that's where employers' liability insurance comes in), damage to your own property, or intentional acts of harm.
4. What is the difference between public liability and professional indemnity insurance?
Public liability covers claims for physical injury or property damage, while professional indemnity insurance covers claims for financial loss due to professional negligence or mistakes in your work.
5. How much public liability cover do I need as a plumber?
The level of cover you need depends on the size and nature of your business. We can help you assess your risks and recommend the right level of coverage.
6. How do I make a claim on my public liability insurance?
Contact us immediately after an incident, and we'll guide you through the claims process.
For a deep dive into the key aspects of insurance for plumbers, our comprehensive plumbers’ insurance information hub has the answers you need.
Related insurances
Tools Insurance
Tools are your livelihood, that's why we offer standalone cover just for your tools. A great addition to an existing policy, tools insurance covers you up to £15,000.
Van Insurance
Get covered with comprehensive, third party only or third party fire & theft Van Insurance. Check out our cover options, features and benefits.
Heating Engineers Insurance
Our Heating and Gas Engineers’ Public Liability Insurance offers you cover against liability claims made against you by members of the public.
Don't leave your business vulnerable to unexpected risks. Get the peace of mind you deserve with comprehensive Public Liability Insurance designed for plumbers.
Get a personalised quote today and see how affordable peace of mind can be.