Business insurance for Plumbers

Insurance for plumbers can be as important as your spanner and pipe wrench. After all, you work in the kitchens and bathrooms of your customers' cherished homes. And liability insurance for plumbers can help in the rare case something goes awry. 

Whether you're working on a residential job or on-site for a commercial client, business insurance is on hand should your plumbing work cause injury or property damage.


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Why choose Hiscox for your plumbers' insurance?


Flexible cover from as little as £8.40 a month*

Buy insurance for your plumbing business from Hiscox for as little as £8.40*.

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between January 2023 and January 2024


Award-winning customer service

With insurance from Hiscox, you can access our award-winning customer service. We've won the Feefo Platinum Trusted Service award in consecutive years.


Cover that's tailored to you

We know that no two businesses are alike. So, your insurance should be tailored to your individual needs. Build exactly that insurance with Hiscox. 

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Tell us about your business – We’ll help you to build your quote and explore your insurance needs.

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Why do plumbers need insurance?

An injured customer

When working in a customer’s home, you spring a leak while fixing pipes in their kitchen. The customer walks into the kitchen and slips on the wet floor, suffering an injury as a result. 

Injuries are upsetting and stressful for everyone involved. But they can also cost you time and money and damage your reputation. 

Public liability insurance for plumbers can help if someone takes you to court claiming they were hurt or their property was damaged as a result of your plumbing work.

Pipework errors

When helping to fit a kitchen, you accidentally fail to fix the pipes together properly. Your oversight causes a leak and damages the new kitchen floor. 

Rather than asking you to correct the problem, your customer hires different contractors to fix the piping and replace the flooring. They then present you with a bill for this work. 

Public and products liability insurance could cover some financial losses caused by defective workmanship. However, this may be subject to limits and exclusions.

Stolen tools

After finishing a job, you put your tools in your van. You head back inside to check you haven’t left anything, only to return to a vehicle that’s been broken into and emptied of its contents. 

At Hiscox, we understand that your tools are essential to your role. 

With property away and in transit insurance, you can get help with the cost of replacing plumbing equipment that is lost, damaged or stolen when you’re on the move. Sometimes called tool insurance, it could help you return to work as soon as possible.

What insurance is available for plumbers?

As a plumber, you may benefit from other insurances, such as portable equipment insurance, commercial property insurance, cyber cover, and legal protection insurance. Build the perfect level of cover with Hiscox today.

“Easy to get a quote and to purchase. Tailored experience so it was accurate for my needs.”
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Insurance for plumbers: FAQs

Is a plumber liable for water damage in the UK?

Yes, a plumber can be held liable for water damage provided it’s occurred as a result of their work. For example, if a plumber bursts a pipe and the escaped water wrecks a customer’s carpets or upholstery, public liability insurance for plumbers can help.

What insurance do I need if I’m a plumbing contractor?

If you’re a plumbing contractor, you’ll likely opt for similar covers to other plumbing businesses. So, public liability to guard against injuries to the public or property damage, and tool insurance to cover you if your tools are stolen or damaged. One of the main things to consider as a contactor is your status. Are you a self-employed contractor providing services to a client, or are you paid like an employee? This can affect your responsibilities when it comes to insurance.

How much does plumbers’ insurance cost?

The cost of insuring your plumbing business will vary greatly depending on your firm. However, business insurance with Hiscox can start from as little as £8.40*. Speak to us today to find a competitive price for your business. 

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between January 2023 and January 2024