Plumber's Public Liability insurance
Your cover options
Essentials
Our plumber's Essentials package includes Public Liability insurance and cover for Financial Loss.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Financial Loss £100,000
Classic
Our Classic package builds on the Essentials by offering Professional Indemnity cover as well as Accidental Death and Tools cover.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
Plus
Our most popular option, the Plus package builds on the Classic by further adding Personal Accident cover, which can be increased based on your needs.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
- Personal Accident cover up to £600 a week per person
Extras
Looking for extra insurances for your building 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
Why do you need plumber insurance cover?
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.
Who do we cover?
- 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
Related content
Public liability insurance FAQs
Got a specific question on public liability insurance? Find out everything you need to know, including what it's designed for, the levels of cover, plus much more.
Professional indemnity insurance FAQs
Need to know more about our professional indemnity insurance? Find out what it is, who it's for and why it's important with our informed FAQs.
Employers' liability insurance FAQs
Are you a small business who employs a number of staff? Find out everything you need to know about employer's liability insurance.
Optional Extensions FAQs
Extensions that are available as part of our Tradesman's Liability product, what they’re designed to cover and when they can be added.
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