Plumber insurance
Insure your plumbing business for liability with zero hassle
In partnership with some of the leading UK insurers, we’ll not only get you a better plumber insurance deal with the best cover available, we work hard to keep you as a customer year after year.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable public liability insurance prices. Get a plumber liability insurance quote today.
With over 50 years of experience providing top-quality insurance for public liability, you can be sure we’ve got you covered.
24/7 claims service
We’re here for you round the clock
when you need us most.
Fairer prices for all
We only provide cover for good
drivers, so you’ll get a better deal.
Carbon offsetting
We’ll plant trees to clean up
after you. Seriously!
What is plumber insurance?
Plumber insurance is a public liability policy that protects plumbers against claims made by the public for injuries or property damage resulting from plumbing work. It ensures plumbers can focus on their trade without worrying about potential legal or financial liabilities.
It covers a range of scenarios where your plumbing business could be held legally responsible for causing harm or damage.
Some key areas it typically includes are injury to third parties, damage to third-party property, legal expenses, and compensation claims.
Public liability insurance is crucial to plumbers for several reasons:
- Business reputation: Having plumbers insurance demonstrates that you are a professional who takes accountability seriously.
- Financial protection: Plumbing work often involves risks, such as leaks or structural damage. Insurance ensures you’re not left covering costly claims out of pocket.
- Legal compliance: Many homeowners and contractors expect plumbers to carry liability insurance before hiring them.
What are the benefits of a plumber insurance policy?
Personal injury claims
Covers claims if someone is injured due to your plumbing work, such as a wet floor or faulty installation.
Damage to property
Protects against claims for accidental damage to a customer’s home or belongings.
Legal protection
Assists with legal defence costs associated with claims.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does plumber insurance cost?
This depends on the nature and size of your plumbing business, the level of risk involved and any claims history you might have.
The cost of public liability insurance varies based on several factors:
Level of cover
The level of cover you select influences the cost. Standard policies start at £1 million, with options for £5 million or £10 million for more complex projects.
Nature of business
As a plumber, your work involves varying levels of risk. Trades with higher exposure to potential damages, such as water leaks, may face higher premiums.
Location
The locations where you work matter. Working in areas with a higher likelihood of potential claims due to crime or vandalism can result in increased costs.
Business size and turnover
Larger plumbing businesses or those with higher turnover usually need broader policies, which can result in higher premiums.
Number of employees
Employing more workers means increased risk, as more staff raises the likelihood of a claim, potentially driving up insurance costs.
Claims history
A claim history can influence premiums. Fewer claims or none at all may help secure more competitive pricing from insurers.
Get a quote or advice
Please call us on 0345 222 6318 to get more information or to discuss your liability requirements. Alternatively, start the quote process and complete a quote form in a matter of minutes by clicking the button below.