No sane plumber will want to cause harm to the client property. However, a mistake happens whether we like them or not. Wrongly fitting a pipe or broken pipes, However, in plumbing, a single error could result in major water damage to your customer’s property, leaving you with a hefty compensation fee. This is why you need plumber insurance coverage to safeguard yourself as well as your business in the UK or any part of the globe. Public liability insurance is a must-have for businesses. You need public liability insurance as a plumber In addition to other insurance coverages. What is the best insurance coverage for plumbers and how much does it cost in the UK? Let’s find out.
Plumber Insurance UK
Are you a big firm or a self-employed plumber, plumbers are mandated to get insurance cover for their own good in the UK. Failure to get insured is usually heart wrecking and it can jeopardise your finance. Public liability insurance
What Does Plumber Public Liability Insurance Cover In The UK?
The following are some of the coverage you will get as a plumber using public liability insurance.
1. Costs of Repair
This covers the cost of repairing any damage on a property.
2. Legal Expenses
Generally, this covers any fees you may have to pay during a legal hearing.
3. Medical expenses
This covers the medical cost of treating an injured person. Once an injury to a third party is traceable to your business, the law demands you take care of the medical expenses.
4. Compensation claims
A compensation claim arises when someone sustains an injury or their property get damaged as a result of your business activities. You will have to pay a fee to compensate the victim when the party decide to sue you for it.
Why Do Plumbers Get Insurance?
Basically, plumbers have to get insured because of the possible injury and property damage that they may face while working.
The following are some of the reasons why plumbers acquire insurance coverage;
1. To get a license
You will have to provide your insurance coverage certification before receiving your license as a professional plumber.
2. Client Request
Most clients will request your insurance coverage before allowing you to work on their property.
4. Hire Employees
Another reason a plumber need insurance is in hiring staff. There are states that demand your workers’ compensation before permitting you to hire additional hands however, it depends on the business.
Buying Guide For Plumber Insurance
If you are yet to protect your plumbing business through insurance, follow these easy steps.
Identify business size
The size of your plumbing business will help in choosing the best cover for your business. Are you a self-employed plumber or do you already set up a plumbing firm with employees?
Get Quotes From Insurance COmpanies
There are various insurance companies available in the UK, Get quotes from different some.
Compare Insurance Coverages
After getting quotes from insurance companies, you compare their policy coverage as well as prices.
Insurance Coverage for Plumber Businesses
#1. Public Liability Insurance
This protects your business from any liability that arises as a result of damages or injury caused to the public.
#2. Trademan’s Insurance
This is specifically for people who work on-site, at home or on other business premises. It combines two or more insurance policies for businesses.
#3. Commercial Auto Insurance
Commercial auto insurance protects your business vehicle from damages.
Buy Quotes
Having narrowed down the various insurance policy to your business need and sie, you purchase an offer and get certified to run your business.
How Can I Get Insurance Certificate?
Your insurance certificate can be in soft or hard copy. You get access to it instantly if you apply online. The Insurance company will send it to you by mail. For instance, Near insurance, provides you with your plumber insurance certificate as soon as you buy their coverage. All you need to do is to create an account with them, purchase an insurance cover and voila! you have your certificate on your device within minutes.
What Do Plumber Insurance Cover?
Basically, plumbers need insurance for various reasons. Let’s assume one of your staff damaged a client property, you will be required to fix this. Plumber Insurance protects you from such speculative expenses.
Plumber Insurance Cover the following;
- Mistake and Blunder
In plumbing sometimes, there are records of mistakes and blunders. It doesn’t mean the plumbers do not know their onion well, sometimes, it just happened. It could be an ill-fitting pipe but trust me, if the owner dares to sue, you may pay heftily for it.
- Damage to another person’s property
Your insurance package’s general liability coverage would assist in the repair of the harm. Such as broken pipes or leakage.
- Accidents that result in injury
Your client trips over the hole you excavated while repairing a groundwater pipe and breaks their wrist. If the client decides to sue, your general liability coverage will assist you in paying for medical expenses, legal fees and So on.
You can also add the following to your general insurance need
- Accidents at work
Plumbers are human too, they can get into an accident. However, Workers’ compensation insurance helps by paying for medical expenses. Workers’ compensation insurance is mandatory for plumbers and any organisation in the UK.
- Stolen Or Damaged Tools
Your tools can be damaged, lost or stolen. A tool and equipment insurance comes in handy.
Plumber Public Liability Insurance
Generally, we recommend public liability insurance to any business that involves the general public. Public liability insurance coverage is not mandatory for businesses, however, it is important. It pays the compensation costs and legal fees that you may incur when a member of the public get injured as a result of your business activities.
As a plumber, it is important you get public liability insurance because you interact with customers, clients, or members of the public daily. It also covers for damages encountered while carrying out work at a client’s location.
Public Liability Insurance Plumber
Acquiring public liability insurance as a plumber will save you in cases of unforeseen circumstances.
What Public Liability Insurance Plumber Does Not Cover
Some of the public liability insurance available to plumbers does not cover the following;
- Accidents involving your employees or their belongings are protected under employers liability insurance.
- Your damaged property.
- Accidents or injuries that directly affect you.
Plumber Insurance Cost
The cost of plumber insurance varies depending on what you intend to insure general liability insurance is the most common. You can settle for general liability insurance or add other coverage to it. Then again, the cost also depends on the insurance company that provides you with coverage. The cost of plumber insurance varies depending on the dangers that your company encounters.
Some of the factors that determine the cost of plumber insurance in the UK are as follows;
1. Project and work location
2. The Tools used in working
3. The kind of vehicle is used
4. The project or work you render
5. The level of risk you encounter while working
Insurance Cover Available To Plumbers
Plumbing insurance is designed to safeguard your company from speculative expenses such as injuries, accidents, damaged cars and legal expenses.
The following items are usually included in our insurance packages
#1. Workers’ Compensation for employees
#2. General Liability
#3. Commercial real estate
#4. Automobiles for business
#5. Equipment and tools
#6. Public liability insurance
Self Employed Plumber Insurance
Big plumbing companies will not have a hard time purchasing the perfect insurance coverage that suits their business. However, how will a self-employed plumber afford all this insurance coverage for his business? Self-employed plumbers will have to buy an insurance policy that is affordable. If a self-employed plumber injures a customer or damages their property by accident, you may be held accountable for the damages as well as legal fees. We advise self-employed plumbers to get quotes for public liability insurance that they can afford from the various insurance companies.
Conclusion
Guard your business reputation as well as finance against possible future threats using the various insurance policy available to plumbers.
FAQs ON Plumber Insurance
Why do plumbers need insurance?
General Property Insurance protects your plumbing and other tools you use for work if they are lost, stolen or damaged. If you find yourself without your tools you may have to replace expensive equipment and also face losing clients
Is plumbing covered under homeowners insurance?
A homeowner’s insurance policy typically covers plumbing problems such as leaks caused by accidents like pipe bursts or seepage from malfunctioning equipment like air conditioners. … Taking photos of the damaged areas may be useful in case you need to back up your damage claim with evidence of accidental damage.
Is a blocked drain covered by insurance?
If your drains have been blocked through improper use, then it is unlikely that your insurance company will pay out for it. However, if the blockage is a result of landslip or subsidence or something else that is out of your control, then you will probably be able to claim for it.
