Comparing plumbers’ insurance
If you're a plumber, you’ll probably already know how easy it is for a burst pipe to ruin a whole carpet, the floorboards underneath it and possibly the ceiling below them. More to the point you might also know how much it costs to make good all that damage!
So you won't be surprised to know that if somebody makes a claim against you, you could be seriously out of pocket.
Public liability cover
That's why taking out plumbers’ insurance could be vital for your business. It includes public liability insurance which will protect you against claims like these, giving you peace of mind that your business won't be affected if you do receive a claim for compensation.
What else could be included?
If you're not a sole trader and you have people working for you or under your instruction by law you must have employers’ liability insurance. This covers you if your employees are injured or become ill as a result of your negligence as an employer. Once you have a policy in place, you must ensure that you keep up to date with health and safety at work regulations; otherwise you may not be covered.
Another option to consider is contract works cover. This is designed to cover works in progress on a site against damage from things like fire, flood, storm, malicious damage and theft. Say you’re doing a big plumbing job on a house extension or granny flat and something unforeseen were to happen to it. Without insurance you risk having to do the work all over again, without being paid for it or charging the customer to start the work again. A contract works policy will pay you for the rework and cover any additional fittings or materials.
Van insurance obviously doesn’t form part of your plumber’s policy, but while we’re talking insurance, do make sure that you’ve declared on your van policy that you use the vehicle for business use.
Shopping around for suitable plumbers’ insurance that meet your business needs is important – you won't want to pay too much, but you need to make sure you have enough cover in the event that you need to claim. We can help... just complete our simple online questions especially designed for tradespeople and we'll find you great value plumbers’ insurance quotes for your business.