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Plumbers Liability Insurance

Don’t be that guy...
Get Public Liability cover with us and get:
£1k Tools cover with our Classic Public Liability insurance
£400 Personal Accident cover per week with our Plus Public Liability insurance
Terms & Conditions, exclusions apply.

What cover can I get?

Cove for upto £5mPublic Liability cover of £1M, £2M or £5M

£15,000 Tools cover availableUp to £15,000 Tools cover is available (subject to product selected)

Professional Indemnity coverIncludes £100k Professional Indemnity cover

Optional extras availableOptional extras such as Employers’ Liability Insurance, Stock, Contract Works, Owned Plant can be added to the policy

Who do we cover?

We cover all types of businessesWe cover Sole Traders, Partnerships, Limited Companies and Limited Liability Partnerships

Plumbers & heating engineers typesPlumbers & heating engineers who work on domestic and commercial properties - see property types for details

Installation, maintenance and general pluming specialistsIndividuals and small to medium sized businesses specialising in installation, maintenance or general plumbing work

Cover up to £3mBusinesses with turnover of up to £3M

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Flexible cover

Our Public Liability insurance for plumbers and heating engineers starts with cover of £1million, but this can be extended to £5million cover for unexpected claims for compensation against you or your company.

If you choose our Classic or Plus cover, our Liability insurance for self-employed plumbers and heating engineers includes £1,000 of all risks Tools insurance. This cover is effective 24 hours a day, anywhere in the UK, and includes overnight thefts from your van following a violent and forcible break in to your vehicle. There is the option to extend this to £15,000 if needed.

Professional Indemnity insurance of £100,000, and cover for financial losses of your customers are also included as standard with our Classic and Plus cover.

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 £3million and up to 15 manual employees. If your business is bigger than this, please ring our UK based team on 08000 280 380 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 manoeuvring areas or aprons, or those parts of airports or aerodromes to which aircraft have access.

Why do I need Public Liability insurance?

You and your company may be financially liable for the result of an accident caused by you, your company or a contractor either at your premises or elsewhere. Public Liability claims can be very expensive, which could have a major impact on you or your business. As well as giving you peace of mind, many companies and trade associations require evidence of Public Liability insurance.


Our FAQs are designed to answer some of the questions you may have on our Public Liability cover. Click here for more information.

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Our exclusive public liability policy for tradespeople is underwritten by Zurich, one of the world’s largest insurers.

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Why choose Trade Direct Insurance

Over 40,000 customers insure with us
Over 30 years experience insuring trades
A Zurich product for peace of mind
Up to 10% No Claim Discount (with 2 years claim free)
Quality cover at a great price
Quick quote in 60 seconds
Option to pay via instalments (Trade Direct is a credit broker and not a lender)

On The Tools' Best Insurance Provider 2017

Trade Direct Insurance was named the Best Insurance Provider at the On The Tools Awards for the second year running.

On The Tools is the largest online community of tradespeople in the UK, and we couldn’t be prouder to provide them with support and cover.