You and your company may be financially liable for the result of accidents caused by you, your company or a contractor, either on your site or elsewhere. Public liability claims can be very expensive, which could have a major impact on you and your plumbing business. As well as giving you peace of mind to get on with your job, many companies and trade associations require evidence of public liability insurance.
Plumbers' public liability insurance
Our public liability insurance for plumbers and heating engineers starts with cover of £1 million, and you can extend this to £5 million. Our public liability insurance for self-employed plumbers includes £1,000 of 24 hour tools insurance – if you choose Classic or Plus level. It covers anywhere in the UK, and includes overnight theft from your van, and can be increased to £15,000. Plus, you have the option to pay in monthly instalments on Direct Debit.
Sole traders, partnerships, limited companies and limited liability partnerships
Plumbers & heating engineers who work on domestic and commercial properties
Individuals and small to medium sized businesses specialising in installation, maintenance or general plumbing work
Businesses with turnover of up to £3 million
Optional extras
If you have people working for you on a permanent or temporary basis, Employers’ Liability insurance is included as standard within your policy, covering up to 15 manual employees or contractors.
Personal accident insurance is included with our plus cover, which could pay you an income in the event that you’re unable to work as the result of an accident at work.
Cover for bigger businesses
We provide plumbers’ liability insurance online for businesses with an annual turnover up to £3 million and up to 15 manual employees. If your business is bigger than this, please ring our UK based team on 0800 0280 380 for a quote, or find other ways to contact us via our contact us page.
Property types
We offer cover for work at different property types:
Domestic only – Cover for private dwellings only
Domestic & Light Commercial – Cover for private dwellings, shops, offices, public houses, guest houses, hotels, schools, restaurants and takeaways
Commercial excluding hazardous locations – Cover for all types of property except work in or on railways, railway installations, watercraft, blast furnaces, chimney shafts, collieries, dams, gas works, mines, power stations, steeples, towers, tunnels, bridges, viaducts, canals, docks, piers, wharves, quarries, chemical works, oil refineries or fuel depots, work in or on aircraft, work in or on airport or aerodrome runways maneuvering areas or aprons, or those parts of airports or aerodromes to which aircraft have access
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Plumbers insurance FAQs
Looking for more information on whether plumbers insurance is right for you? From general questions to specific scenarios, find the answer to your query.
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.
Spoke to George at Trade Direct Insurance, who was very helpful in providing answer to my question and providing me with the cover I was looking for and needed.
Kieron Heritage - February 25, 2024
Easy to set up with a good tool cover at a competitive cost
Peter Hughes - February 24, 2024
Great service at a reasonable price.
Andrew Boulden - February 23, 2024
My purchase was straight forward
Kevan Handley Ltd - March 30, 2024
Very clear and straight forward and quick to set up