Plumbers' Public Liability Insurance
Cover medical costs, repairs, and legal fees if you're held liable for damage or injury caused by your work.
What is Plumbers' Public Liability Insurance?
Plumbers' public liability insurance is designed to protect your business against third-party claims for injuries or property damage caused during plumbing work. Whether you're fixing a leaky pipe or installing new systems, accidents can happen.
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What Does Plumbers' Public Liability Insurance cover?
Our plumbers' public liability insurance covers a variety of incidents that could arise from your work. Here’s a breakdown:
What’s covered
✔ Injury to clients, visitors, or members of the public
✔ Property damage while working on plumbing projects
✔ Legal fees and court costs
✔ Compensation for medical costs, loss of earnings, and more
What's not covered
✘ Injury to yourself or your employees
✘ Damage to your own tools or equipment
✘ Claims resulting from poor workmanship that doesn’t cause injury or damage
✘ High-risk activities not disclosed in your policy
Is a plumber liable for water damage?
Yes, plumbers can be liable for water damage caused by their work. Public liability insurance can cover claims related to water damage, provided it meets the circumstances outlined in the policy. It’s important to check the specific terms of your policy to ensure water damage is covered.
What insurance should a plumber have?
As a plumber, the types of insurance you need will depend on the nature of your work and the risks involved. The essential insurance for plumbers may include:
- Public Liability Insurance: This covers you in case of injury or property damage caused by your work.
- Employers’ Liability Insurance: Required if you employ anyone, this covers injuries to your employees while working for you.
- Tools Insurance: Protects your tools from theft or damage.
- Professional Indemnity Insurance: This is useful if you offer advice or services beyond installation and repair, covering professional mistakes or negligence.
Many plumbers choose these types of cover to help manage the risks commonly associated with the trade.
How much does plumbers’ insurance cost?
The cost of plumbers' insurance can vary based on factors such as the size of your business, the location, and the type of work you undertake. Insurance premiums are tailored to reflect your specific business circumstances, so to get the most accurate price, it's best to get a personalised quote.
Why Plumbers Choose Trade Direct
Trade Direct Insurance offers coverage that is specially designed for plumbers. Here’s why plumbers trust us:
Specialised for Plumbers
We understand the unique needs of plumbing businesses and provide tailored coverage that fits.
Competitive Pricing
Our insurance premiums are affordable, offering great value for your business.
Expert Support
Our UK-based team is available to assist you with any queries, providing quick and clear answers.
Trusted Providers
Our policies are underwritten by Zurich Insurance Company Ltd, and we’re proud to have an Excellent rating on TrustPilot.
Your Plumbers' Insurance Cover Options
Essentials
Basic cover for public liability, third-party financial loss, and employers' liability insurance.
- Public Liability insurance up to £5 million
- Third Party Financial Loss £100,000
- Employers' Liability insurance £10 million available
Classic
A step up from Essentials, with additional coverage like professional indemnity and tools cover.
- Public Liability insurance up to £5 million
- Professional Indemnity cover £100,000
- Third Party Financial Loss cover £100,000
- Capital Death Benefit
- First £1,000 of Tools cover (can be increased to £15,000)
- Employers' Liability insurance £10 million available
Plus
Comprehensive coverage with added benefits like temporary total disablement and increased tools cover.
- Public Liability insurance up to £5 million
- Professional Indemnity cover £100,000
- Third Party Financial Loss cover £100,000
- Capital Death Benefit
- First £1,000 of Tools cover (can be increased to £15,000)
- Temporary Total Disablement Benefit up to £600 a week per person
- Employers' Liability insurance £10 million available
Optional Extras for Plumbers
Looking for extra insurance for your plumbing work? We have a list of optional extras to give you the cover you need:
- Contract Works
- Owned Plant
- Hired in Plant
- Jury Service cover
Who and what we cover
Sole traders, partnerships, limited companies and limited liability partnerships
Plumbers and HVAC engineers
Individuals and SMEs specialising in installation, maintenance or general plumbing work
Businesses with turnover of up to £3 million
Get Plumbers' Insurance in minutes
Getting covered is quick and easy. With Trade Direct Insurance, you can have your plumbing business protected in just a few minutes. Secure the cover you need today and enjoy peace of mind.
FAQs - Public Liability Insurance for plumbers
For a deep dive into the key aspects of insurance for plumbers, our comprehensive plumbers’ insurance information hub has the answers you need.
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Heating Engineers Insurance
Our Heating and Gas Engineers’ Public Liability Insurance offers you cover against liability claims made against you by members of the public.
Don't leave your business vulnerable to unexpected risks. Get the peace of mind you deserve with comprehensive Public Liability insurance designed for plumbers.
Get a personalised quote today and see how affordable peace of mind can be.