Compare public liability quotes
Plumbers are used to sorting out the work that comes from customers’ insurance claims. But are you too busy fixing leaks to think about cover for your own business? Find out what you need to know about public liability insurance and other types of insurance a plumber might need.
Own your own plumbing business? No doubt you’ll have seen more than a few insurance claim situations. But it’s not just other people’s floods and leaks you need to worry about. It’s vital you understand the risks your business faces, and have the right insurance in place to protect you, your employees and your customers. Different types of cover, including public liability insurance and employers’ liability insurance, can come as part of a business insurance package tailored to suit your particular needs. To protect yourself and key members of your business, or to offer as an employee benefit, you might also wish to consider different types of business life insurance.
No one likes to think of a job going wrong, but a poorly fitted pipe or tap could have disastrous consequences. Public liability insurance can help cover compensation and legal costs if something is damaged or someone is injured or killed as a result of your work. This type of insurance isn’t a legal requirement, but if you’re dealing with members of the public and working on other people’s properties, it makes sense to have it.
If you employ anyone who isn't a family member, you’ll need to have employers’ liability cover – it’s the law. But it’s something you’d want in place anyway. After all, it’s for your protection if someone who works for you falls sick or gets injured as a result of their work. And remember, once your policy is in place you’ll need to keep up to date with health and safety rules. If you don’t, it could invalidate your policy.
If you're one of the 37% of those working in skilled trades classifying themselves as self-employed, you may want to consider types of insurance cover that are designed to protect you and your income. You might want to think about:
It’s easy to forget how valuable your plumbing tools are, but if you had to replace them all at once you could find yourself landed with a whopper of a bill. Business contents insurance could cover your tools and equipment for all kinds of eventualities, including theft, vandalism, fire and flood. You can also add tools cover to your van insurance.
If you take on big projects for other firms – let’s say you're doing the plumbing for a big property development – contract works cover could help keep your business afloat in the event of a disaster. It could cover you for events such as fire, flood, storms and vandalism, and comes into play when your work is part of a bigger project. So if, for example, a storm damages the new building and you’re expected to do the work again for no extra cash, contract works cover could protect your pay, as well as any tools or materials.
Finding the right insurance cover might seem complicated and time-consuming, but we’re here to take the strain and do the hard work for you. We’ll ask you a few simple questions about your business – what tools you have, how many people you employ, etc – so that we can tailor your quotes to your needs. It doesn't matter if you’re a one-man band or a big business, we can help you find the right insurance cover.Try it today. Compare plumbers’ insurance quotes and see if you can save.
Employers’ liability insurance
You are legally required to have this insurance even if you employ just one person.
Business interruption insurance
Insurance to help compensate you for loss of profits if your business is unable to operate for a period for some unexpected reason.
Business life insurance
Insurance designed to help your business carry on if something happens to you or the key people in your business.
Commercial property insurance
Protect your business premises.