Plumbers Insurance Public Liability Quotes

If you own your own plumbing business, you’ll probably have been involved in a few insurance situations yourself. As well as helping other people out after leaks however, you need to make sure you’re protecting your business against certain risks. It’s vital that you appreciate what those risks are – and then to make sure you have adequate insurance in place to keep you, your employees, and your customers safe.

Understanding the risks

It’s also worth thinking about protecting your equipment which could be expensive to replace. Finally, depending on the nature of your business projects, you may want to look at contract work cover too.

Don’t worry if it sounds complicated, we’re here to help.

You may not think of plumbing as being a risky business but there are some unforeseen issues that you need to protect against. Liability claims can be very expensive to settle, so failure to put in place the right cover could see your own business flooded in the event of a claim.

Let’s look at the risks that need to be covered in turn.

Risks to the public

Public liability cover is the name given to the cover that can protect your business against claims made by members of the public for negligence. Nobody likes to think of a job going wrong but imagine something does and you end up causing damage as a result of a poorly fitted pipe or tap.

That could result in a claim not just against the replacement of the item fitted but for compensation against the damage caused. Alternatively, if someone trips over your equipment they might claim against you for an injury suffered.

A small investment in insurance could bring significant peace of mind.

Risks to your employees

Employer’s liability cover can protect you and your business if one of your employees hurts themselves or becomes ill as a result of their work. Unless you’re a sole trader or your employees are all direct family members, you’re required by law to have employers’ liability cover in place.

It’s important to remember that once you have a policy in place, it’s up to you to keep up to date with health and safety at work regulations. If you don’t, you may invalidate your cover.

Risks to your equipment

The right plumbing insurance policy will also cover your valuable tools and equipment. Not only are they expensive to replace if stolen, but without your tools you may be unable to work. Having some insurance so they can be replaced quickly therefore may be important. 

Risks on larger projects

Contract works cover may be useful if you often take on significant plumbing jobs as part of another project. For example, maybe you’re doing the plumbing for a series of flat conversions. It’s there to cover work that’s in progress on a site for many problems, including fire, flood, storm, malicious damage and theft.

So, if a storm damages the new building and you had no cover, you could be expected to do the work again, without any extra pay. This type of cover will protect both your time invested as well as any materials and fittings.

Finding the right plumbing insurance cover

As the owner of a plumbing business, you may think you’re simply too busy to waste time arranging insurance cover. Let’s face it, it seems complicated and time consuming.

It doesn’t need to be. We’re here to take the strain and do the hard work for you when it comes to comparing plumbing insurance quotes.

We’ll ask you some simple questions so we can ascertain the level of cover you need. For example, how big your business is, what tools you own, how many employees you have and whether they are manual or clerical workers

With this information, we can then tailor the request for quotes to fit your individual plumbing business. It doesn’t matter if you’re a one-man band or a large contracting business, we have insurance providers able to provide you with cover.

What’s more, if you’d like to speak to someone about your business needs, there’s a number to ring or you can request a call back.

Try it today. Compare plumbing insurance quotes and see what you could save on your plumbing insurance.

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