Plumbers' Insurance - Public Liability Insurance

Good insurance for plumbers can sometimes be hard to find and building the perfect policy can feel time-consuming. Your trade provides its own risks and liabilities and you need to make sure that you, your employees and your customers are protected.

If you want to avoid paying for cover you don’t really need and make sure you get value for money, it's a good idea to shop around. Here at Policy Expert, we can offer combined policies that can include public liability insurance and employers’ liability insurance, which means you could get the right cover in place in minutes.

To get Plumbers' insurance quotes:

1. Complete our simple online questionnaire

2. Compare prices from a range of carefully selceted insurers

3. Select the best quote for your needs

4. Pay securely online

And that’s it! Once you’re covered you’ll receive your documents instantly via email so you can get on with your work.

Public liability insurance

If the work you do causes injury, illness or death to a member of the public, however minor, public liability insurance could prove vital. It could help cover any legal costs if a claim is brought against you for damage caused to a third-party or to their property. Look for a policy that offers at least £1 million of public liability cover (many policies offer up to £5 million) and make sure your business and your reputation are protected.

Employers’ liability insurance

If you’re a one-man band or a sole trader then you won’t need this type of cover. But, if you hire external contractors or have one or more employees on your books then it’s likely to be a legal requirement and you could be fined if you don’t have it. It could help cover the cost of any claim from an employee who has been injured at work, or who has become seriously ill as a result of working for you.

Check before you buy…

• Check through the policy documents before you buy and ensure that the cover is right for you – are there any exclusions and are you happy with the excess?

• Have you included optional features, such as contract works cover?

• Think about combining your policy with business van insurance too - you might even qualify for a discount!