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Your business

Your Plumber's Public liability insurance


Essential

Cover Included

  • Professional indemnity £100,000
  • Public liability Covers the business in a variety of circumstances £1,000,000
  • Employers liability Covers the business in a variety of circumstances £10,000,000
£994.50 Per Year

£76.50 Per Month

Classic

Cover Included

  • Professional indemnity £100,000
  • Public liability Covers the business in a variety of circumstances £1,000,000
  • Employers liability Covers the business in a variety of circumstances £10,000,000
  • Tool theft Tool theft Select from £1,000 to £15,000. Excess £150. Policy summary. Staff members Cover required
  • Tool theft Tool theft Select from £1,000 to £15,000. Excess £150. Policy summary. Staff members 7 Cover required £1000
£994.50 Per Year

£76.50 Per Month

Plus

Cover Included

  • Professional indemnity £100,000
  • Public liability Covers the business in a variety of circumstances £1,000,000
  • Employers liability Covers the business in a variety of circumstances £10,000,000
  • Tool theft For each person named on the policy £1000
  • Personal accident Per week for named employees £1000
£994.50 Per Year

£76.50 Per Month

Classic

Cover Included

  • Professional indemnity £100,000
  • Public liability Covers the business in a variety of circumstances. £1,000,000
  • Employers liability Covers the business in a variety of circumstances. £10,000,000
  • Tool theft For each person named on the policy. Staff members Cover required
  • Tool theft For each person named on the policy. Staff members 7 Cover required £1000
£994.50 Per Year

£76.50 Per Month
Includes 12% IPT
Includes £15 admin fee

Additional conditions which are applicable to your policy

  • Electrical Contractor - Domestic & Light Commercial This policy does not cover any claim or claims arising in connection with:
    1. Piling , quarrying or the use of explosives
    2. tunnelling, water diversion, Pile driving, dam construction or work within or behind dams
    3. any work of demolition except demolition carried out by employees in your direct service:
      1. of private dwellings and/or shops consisting of not more than 2 floors (including the ground floor) and attic
      2. of other structures not exceeding 4 metres in height as part of a road or sewer contract undertaken by you
    4. the construction, alteration or repair of towers, steeples, chimney shafts, viaducts, bridges or docks.
    5. The making of main sewers
    6. Any work outside the European Union
  • Plumbing, Heating, Air Conditioning or Ventilation - all other premises

    Hazardous Works (ZTHAZ)

    This policy does not cover any claim or claims arising in connection with:
    1. Piling , quarrying or the use of explosives
    2. tunnelling, water diversion, Pile driving, dam construction or work within or behind dams
    3. any work of demolition except demolition carried out by employees in your direct service:
      1. of private dwellings and/or shops consisting of not more than 2 floors (including the ground floor) and attic
      2. of other structures not exceeding 4 metres in height as part of a road or sewer contract undertaken by you
    4. the construction, alteration or repair of towers, steeples, chimney shafts, viaducts, bridges or docks.
    5. The making of main sewers
    6. Any work outside the European Union

    Use of Heat (ZTHeat)

    It is a condition precedent to our liability under this section of the policy that the following precautions are complied with on each occasion of the use of or application of heat taking place elsewhere than at your own premises:
    1. Application of heat by means of electric oxyacetylene or other welding or cutting equipment or angle grinders, blow lamps, blow torches, hot air guns or hot air strippers
      1. The area in the immediate vicinity of the work (including in the case of work carried out on one side of a wall or partition, the opposite side of the wall or partition) must be cleared of all loose combustible material; other combustible material must be covered by sand or over-lapping sheets or screens of non combustible material.
      2. At least one adequate and appropriate portable fire extinguishers, in proper working order, must be kept in the immediate area of the work being undertaken and used immediately smoke or smouldering of flames are detected
      3. A fire safety check of the working area within a radius of 15 metres must be made after the completion of each period of work and immediate steps taken to extinguish any smouldering or flames discovered.
      4. Blow lamps and blow torches must be filled in the open and must not be lit until immediately before use and must be extinguished immediately after use.
      5. A person must be appointed by you to act as an observer to watch for signs of smoke or smouldering of flames
      6. Sub-paragraph v) does not apply to the application of heat by means of blow lamps, blow torches hot air guns or hot air strippers.
    2. Use of asphalt, bitumen, tar, pitch or lead heaters
      1. The heating must be carried out in the open in a vessel designed for the purpose and, if carried out on a roof, the vessel must be placed on a non-combustible heat insulating base.

    Financial loss extension (190)

    This policy extends to cover you in respect of:

    1. all sums which you shall become liable in tort to pay as compensation (and claimants costs and expenses incurred in connection therewith) in respect of claims for financial loss first made in writing against you arising out of your business and notified to us during or within 30 days of the expiry of the same period of insurance
    2. costs and expenses in connection therewith incurred with our written consent.

    For the purpose of the cover provided by this extension, the term ‘financial loss’ shall mean a pecuniary loss, cost or expense incurred by any person other than you or one of your director or employees as a result of:

    1. defect in products, and/or
    2. work carried out negligently by or on behalf of you

    Provided always that:

    1. our liability under this extension shall not exceed £100,000 in any one period of insurance
    2. in respect of any claim for which indemnity is provided by this extension, you shall pay 10% of such claim or £500 whichever is the greater
    3. the indemnity provided by any Cross Liability extension to this section of the policy shall not apply to this extension
    4. this extension is subject to the terms, conditions, limitations and exclusions of this policy insofar as they can apply, in addition to the following exclusions.
      1. the cost of replacing, reinstating, rectifying, repairing, removing, recalling, improving or guaranteeing the performance of products or any work carried out by or on behalf of you
      2. any claim for diminution in value of products or any work to which this extension applies
      3. liability arising from libel, slander, infringement of patent, copyright, trademark or trade name, breach of anti-trust laws
      4. liability arising from any act of fraud or dishonesty
      5. liability arising from non performance, non completion, delay, financial default or insolvency
      6. liability arising out of professional advice or professional negligence
      7. liability arising from a deliberate act or omission of you where the financial loss could reasonably have been forseen by you having regard to the nature and circumstances of such act or omission
      8. liability arising out of circumstances known to you at the commencement of this extension
      9. liability which:
        1. attaches by virtue of a contract or agreement, or
        2. arises out of or by reason of a contractual relationship
      10. liability arising from products knowingly exported from Great Britain, Northern Ireland, the Channel Islands or the Isle of Man, or work carried out by or on behalf of you elsewhere than within Great Britain, Northern Ireland, the Channel Islands or the Isle of Man
      11. liability arising from personal injury or loss or of damage to material property or obstruction, trespass, nuisance or interference with pedestrian, road, rail, air or waterbourne traffic.

We just need you to confirm some assumptions

Please check all of the below assumptions and confirm that they are correct

  • Your annual turnover does NOT exceed £3 million
  • Your manual workforce does NOT exceed 15
  • You have NOT suffered any Employers' Liability claim in the past 5 years
  • You have NOT suffered 2 or more claims of any other type in the past 3 years
  • You HAVE given a fair presentation of the risk based on your reasonable understanding of the risks to your business. This is one which clearly discloses all material facts which your senior management and the persons responsible for arranging your insurance know, or ought to know, following a reasonable search of information available to them and should include all facts that would influence the judgement of the insurer or that would put the insurer on notice that it needs to make further enquiries

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Monthly payments

£20 x12

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Your Plumber's Public liability insurance

Cover included in policy

Public liability
£1,000,000
Professional indemnity
£100,000
Tool theft
£1,000

Renewal date

Start date
25th Nov 2019
End date
25th Nov 2020
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