Insuring your plumbing business
Plumbing is a demanding profession that takes hard work and organisation, but sometimes things break, people make mistakes and disagreements with clients come up. With insurance for plumbers and pipefitters we’ll tailor your cover to your trade, so you’re covered when things don’t go to plan.
Why you need business insurance in plumbing
Illness and injury
Whether you’re working on construction sites or in a customer’s home, your employees, or even a member of the public could be injured and your business could get the blame. Injuries are upsetting and stressful, but they can also cost you time, money and your reputation. We’ll cover you for expenses and legal claims as well as loss of earnings if something goes wrong.
Unhappy clients
Sometimes a job takes longer than expected, or you need to make multiple visits to fix a problem. Occasionally mistakes creep in, property is damaged and you have to deal with unhappy clients. No matter who’s at fault, if a client decides to sue your business you’ll need a professional insurance policy in place that defends and protects you.
Problems with equipment
If important equipment or specialist tools are damaged, you’ll need to stop work until you can find what you need. That means delays, increased costs and frustrated clients. Plumbing business insurance will get your equipment repaired or replaced quickly, so you can get on with the job in hand.
If you’re not sure what you need, tell us a little more about your plumbing business. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for the plumbing industry
Public liability insurance
One day you might be working on a major installation surrounded by commuters, the next day you could be refitting a small bathroom in a client’s home. Either way, you’re working with the public, so public liability insurance protects you if someone claims they’ve been injured, or their property was damaged as a result of your work. It covers the cost of compensation and the legal expenses of the claims process, allowing you to defend yourself properly.
Employers' liability insurance
If you employ anyone else in your business, you need to have employers' liability cover in place in case they suffer illness or injury and claim that it’s because of the work they do for you. It’s not just for full-time workers – even a friend helping out at the weekend could make a claim against you. If they do, we’ll be there to help with the costs of defending yourself and any settlement you may have to make.
Tools insurance
Yours is a highly skilled trade and your job depends in large part on your specialist experience and know-how. But you need your equipment too, otherwise things just won’t get done. Tool insurance covers your equipment against loss, theft and accidental damage. It’s there to ensure you can get your tools repaired or replaced as quickly and easily as possible, keeping your promises – and any project delays to a minimum.
These are just some of the types of business insurance for plumbers that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
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