Do Plumbers Need Insurance?

April 14, 2022

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Being a plumber you will be spending most of your time helping others fix their insurance claims. That being said it is important not to neglect your business while taking care of others. Furthermore a single mistake could be very costly. This guide on do plumbers need insurance will give you more information about all the policies and insurance claims available.

Popular Plumber Insurances

It is very important to evaluate which insurance you need for your business as some might not make sense for your business. Here is a rundown of some of the most popular plumber insurances in case you need to make insurance claims.

Public liability

Mistakes can happen and the most popular insurance you would need if you’re working on other people’s property is Public Liability insurance in order to operate safely and get the right insurance claim. It is vital for your financial security. Plumbers insurance can be more expensive compared to other trades but on average the settlement is over £13,000 so if something was to go wrong it more than pays for it.

Professional indemnity

Professional indemnity is relevant to some plumbers. Those who offer design and advice as part of their services should get professional indemnity insurance for sure. It will cover any damages if the advice you have given to the customers causes damage to them.

Employers Liability

If you have staff hired the UK government required you to have employers liability insurance. The setup is straight forward. Inform your insurer of your employees and then they can add it to your plumbers insurance policy automatically.

Tools and Equipment

It’s worth looking into tools and equipment insurance if you’re using expensive or special tools. The plumbers insurance claim will cover the value of the equipment in case your tools are lost, damaged or stolen. It’s a good idea to know the value of your equipment you use and how much it costs to replace them.

How We Can Help!

At Trevellyan Insurance Brokers, we want to help businesses not be at fault, insuring with us today can help you keep you secure and safe in your hands. We make sure that you are covered and also keep you insured.

We can offer you a quote that is suitable for you and right for your business.