What does Plumbers Insurance include?
The great thing about buying your Plumbers Insurance through a broker like BJP is that we can tailor your insurance package precisely to your individual requirements. For example, all plumbers are advised to take out Public Liability cover because this is a universal risk (although the level of cover may vary). By contrast, a sole trader won’t normally need Employers Liability Cover if he or she always works alone.
At BJP we’re very conscious of your budget. Our close relationships with some of the country’s leading insurers mean we can tailor your Plumbers Insurance plan to include only the covers that you really need. That means you won’t be either underinsured or find yourself paying for unnecessary cover.
Every plumbing business is different, but here are some of the covers most typically included in a Plumbers Insurance plan:
Plumbers Public Liability Insurance
Plumbers are particularly vulnerable to third parties – that could be passers-by or clients – making a claim against them for an accident, illness or damaged property. As well as good business sense, Plumbers Public Liability Insurance can also turn out to be necessary in some cases to secure contracts.
Plumbers Contract Works Cover
This provides protection against a multitude of risks – from storm damage to vandalism – that plumbers run while working on a site. Without insurance in place, the work would have to be re-done at the plumber’s own expense. Contract Works Cover will cover the cost of your time, as well as new fittings and materials.
Plumbers Employers Liability Cover
If you employ staff – and that includes anyone working for you even on a part-time, temporary basis, you are required by law to have Employers Liability Cover in place. This will protect you if an employee claims that your business activities have caused them an accident or illness, or damaged their property in some way.
Plumbers Tools Cover
You depend on your tools, and if they were lost, damaged or stolen, you could lose significant income or find yourself out of pocket. Tools Cover will protect you on this front, paying out for speedy repairs or replacements.
Other insurance covers you might want to consider as a plumber are:
- Van Insurance or Commercial Fleet Insurance
- Office Insurance
- Product Liability Insurance