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Plumbing Contractors Insurance: A Mini Guide

Plumbing Contractors Insurance: A Mini Guide

 Whether you are working as a plumber or in a related trade, the chances are you will need some form of insurance. Because of the potentially hazardous work completed by plumbing contractors, there is a risk of compensation claims.

Self-employed plumbers, sub-contractors and plumbing companies all require insurance for their work. The type of insurance that you require will depend on the business type and work that you complete. So that you can understand your requirements, we’re covering the types of coverage you need and who they are for.

Employer’s Liability Insurance For Plumbing Contractors

Anyone who runs a business that has employees is required to have employer’s liability insurance. Because you are hiring other plumbers and engineers for your work, you need to ensure they have protection. This type of insurance covers you from claims made by employees due to illness or injury at work. Because you have a duty of care to your staff, your insurance company may not pay out if this has not been exercised.

Public Liability Insurance

Public liability insurance is not a legal requirement for plumbing contractors but is still useful to have. It offers protection against claims that are made by customers or the public. Because plumbers are at risk of issues such as leaking pipes and poorly installed boilers, this cover is essential. Even if you have completed a job to a high standard, you should remember that accidents can happen. So that you ensure you have proper protection, you should always have public liability insurance in place.

Other Plumbing Contractors Insurance

In addition to these insurance policies, there are some others that you may need. Because you are operating commercially, you may require specific commercial insurance on your vehicle. You may also need to cover tools and equipment to protect yourself from loss, theft or damage.

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Plumbing Contractors Insurance: A Mini Guide

What Is Plumbing Contractors Insurance?

Plumbing contractors insurance covers plumbing contractors against claims, injuries and accidents made by their clients or other individuals. While working on a client’s home, a plumbing contractor can cause damage to property or injure a person. Getting the proper contractors insurance in place means you won’t have to pay the entire compensation on your own.

Why Is Plumbing Contractors Insurance Important?

Like in many trades, plumbing has its share of health and safety risks. A plumbing contractor can cause injury to anyone, including clients, a passerby or even themselves.  Obviously, the contractor will have no choice but pay demanded damages.

Damages can be as expensive and may be well out of budget for the average plumbing contractor. Having the right insurance allows contractors to work efficiently without worrying about damages, injuries and compensations. Furthermore, with insurance in place, you’ll only have to pay the excess.

The little matter of public liability

Public liability is necessary for plumbing contractors cover. It ensures they’re well protected from clients or any other individuals that may suffer as a result of your work.

The policy guarantees that any accidental cause of damage to property or injury to a person is covered. Having insurance in place is often a requirement of contracts. Furthermore, highlighting the fact that you have robust and comprehensive insurance cover cements your reputation in the industry.

Of course, plumbing contractors insurance will cover a multitude of different aspects, not just public liability. In your policy, you can include essential components such as tools protection, van insurance and employers’ liability. Whatever your business needs, Just Quote Me can search and compare the market to find the best possible coverage for your business at the best possible price.

Are you looking for plumbing contractors insurance?

Give Just Quote Me a call today at 088 084 2325 to receive a free quote or Request a Callback.