Specialist protection is something plumbers shouldn’t ignore. Investing in specialist plumber’s insurance helps to bring together all the covers a plumber may need in a single package. Whether self-employed or running a larger plumbing business, plumber’s insurance is an essential and it gives you the chance to ensure your business has comprehensive cover.
Plumbers insurance incorporates many different types of cover dependent on the needs of the individual or business. Most plumbers’ insurance will provide:
Public Liability Insurance
While you don’t legally need this type of cover, public liability insurance is one of the most vital types of insurance out there. It will cover any financial liability which may come from a claim being made against your business by a third party. Maybe a third party says they were injured due to your work. Or maybe they suggest damage was done to their property because of your negligence. Public liability insurance will cover their compensation should the claim be successful, as well as your legal fees. Some larger contractors will also only work with plumbers with valid public liability insurance.
Employers’ Liability Insurance
The Employers’ Liability (Compulsory Insurance) Act 1969 makes it a legal requirement to have employers’ liability insurance in place if you employ one or more people. This type of insurance provides protection should your employees fall ill or be injured at work and allege that the business caused their illness or injury.
Additional Plumbers’ Insurance Options
Plumbers may also wish to consider additional cover dependent on the nature and size of their business. Common plumbers’ insurance extras include:
- Tools Cover: you can get cover to ensure your tools are quickly replaced should they be stolen or damaged.
- Buildings Cover: if you have premises for your business then you will want your policy to cover damage against it.
- Vehicle cover: usually you will need separate commercial vehicle cover in additional to your plumbers’ insurance
Arranging all the insurance cover you need as a plumber is easy with Just Quote Me. Contact us today to arrange your quotes and discuss the level of cover you require.