Being a plumber can take you here, there and everywhere, on a variety of different jobs. Whether it’s a small task or a larger project, ensuring you have plumbers insurance in place to protect you is crucial.
As careful as you may be, accidents do happen, and that’s why insurance for plumbers is an essential part of your business. Without plumbers insurance, you may be exposed to large financial losses that could impact the future of your business.
Public liability cover as part of your plumbers insurance can safeguard your livelihood against unforeseen eventualities. For example, if you accidentally knocked over a vase at a customer’s home, this would also be covered under your public liability insurance.
If you employ people to help, whether on full time, part time or labour-only basis, you will also need to take out employers' liability insurance to protect your staff against injuries at work.
There are many other covers that you may wish to add to your plumbers insurance, so you can tailor the cover to your individual business requirements. As well as protecting others involved in your business, you may wish to consider personal accident cover to protect yourself against accidents at work. This would tide you over with a weekly benefit if you injured yourself at work meaning you were unable to trade.
Should you need it your tools and equipment can be included within your insurance policy to a level that meets your needs. Hand held tools and power tools can be covered against loss or damage. Property damage can also be incorporated to protect an office or unit that you use in relation to your business, alongside business interruption cover to protect your income should you suffer damage at the premises meaning you are unable to trade.
Commercial legal expenses provides cover for taxation proceedings, jury service allowance, employment awards and compensation and much more.
We have many years’ experience arranging insurance for plumbers and have really got to know the industry and the covers that are most important to you. We can arrange the right plumbers insurance for you at the right price.
You can protect your plumbing business in just a few minutes online, or speak to our advisors who are on hand to provide advice and support you for the duration of your policy.