What is plumbing liability insurance?
If you’re a plumber, you know the job can get messy—both literally and figuratively. From fixing leaks to installing complex systems, things don’t always go to plan. That’s where insurance for plumbers comes in, offering financial protection when the unexpected happens.
Plumbing liability insurance typically includes public liability insurance and professional indemnity insurance. Whether it’s a burst pipe gone wrong or a customer unhappy with your advice, these covers help you focus on what you do best—keeping things flowing.
Why do plumbers need insurance?
Plumbing is a hands-on profession and it comes with its fair share of risks. From accidental property damage to legal disputes, insurance for plumbers ensures you’re prepared for whatever the job throws at you. Here are a few reasons why plumbers need insurance:
Protection against liability claims: If you accidentally flood a customer’s home or damage their property, plumbing liability insurance has your back.
Cover for tools and equipment: Your tools are essential for your trade, and having them insured means you can quickly replace or repair them if they’re stolen or damaged.
Meeting client requirements: Many clients or contracts insist on proof of insurance, particularly public liability for plumbers.
Peace of mind: Knowing you’re protected allows you to tackle your jobs with confidence, no matter how challenging they are.
Public liability insurance for plumbers
If you only pick one cover, make it public liability insurance for plumbers. This essential policy protects you against claims from third parties for injury or property damage caused by your work.
For example, if you accidentally flood your customer's neighbour’s place while fixing a pipe, plumbing liability insurance can cover the cost of repairs or compensation.
Professional indemnity insurance for plumbers
For professionals who offer advice or design services, professional indemnity insurance for plumbers is a must. This cover steps in if a client claims your advice or work caused them financial loss.
For instance, if your recommendation for a heating system installation leads to costly errors, this insurance will handle the legal fees and compensation.
While it might not be needed for every plumbing job, professional indemnity insurance is a wise choice for those taking on more complex or consultancy-based projects.
Other insurance plumbers buy
By securing business plumbers insurance, you’re not only protecting yourself against unexpected risks but also building trust with your clients. The following covers are often needed to build the right cover that ensures your plumbing business can thrive:
Employers’ liability
If you employ staff, even on a casual basis, employers’ liability insurance is a legal requirement in the UK. It protects your business from claims made by employees who are injured or fall ill due to their work.
Tools & materials
Your tools are essential to your trade. Tools insurance protects them against theft, loss, or damage, ensuring you can get back to work quickly. It can also include stock and materials stored on-site or in transit.
Owned & hired in plant
If you use rented machinery or equipment, hired in plant insurance covers it against theft or damage. This ensures you’re not left footing a hefty bill if something happens to the hired equipment.
Contract works
Contract works insurance protects ongoing projects against damage or unforeseen incidents. For example, if a partially built structure is damaged by fire or vandalism, this cover ensures the costs of redoing the work are taken care of.
