Business Insurance for Self-Employed Plumbers
When servicing boilers, installing new plumbing or simply fixing a leak, you'll know things can go wrong. Like all trades, you need insurance to cover you from accidents or unexpected costs. With plumber insurance, you can get the cover you need whether it’s protection for the theft of tools, to damage to a client’s property.
Benefits of Insurance for Self-Employed Plumbers
Public liability cover can protect you if you have accidents in other people's homes or at their property. There are always risks in plumbing from tool use or water leakage and if your client blames you for the problem, then plumbers’ liability insurance can help cover the costs.
With plumbers’ liability insurance cover, you can help protect from the sudden and unexpected costs that might hamper or even sink your business.
If you have an apprentice or any other employee, however casual, Employers’ Liability Insurance can help you meet the costs of any claim they might make if they're injured at work. Employers’ liability is often required by law, and you can face hefty fines without it.
Risks that Self-Employed Plumbers Face
FAQs on Self-Employed Plumbers
Do I need plumber insurance?
As a legal requirement, if you have employees or apprentices, you'll usually need Employers’ Liability Cover. But even if you work alone, it’s important to make sure you’re covered for a range of risks ranging from personal or public injury, damage to property, loss of tools or materials and potential legal action. Each risk can be covered within a plumber insurance package.
What is covered under plumber insurance?
It's always wise to choose an insurance package that matches the risks for your business. But, there are some basics that any plumber insurance package should protect.
Public liability cover is perhaps your most important single component to cover damage to clients' homes as well as third party injuries. Insurance packages also often include cover for tools, materials and legal expenses.
Employers’ Liability cover for apprentices and employees is mandatory.
What is not covered under plumber insurance?
It’s important to read your policy documents for the details of what you are and what you are not covered for. You’ll be required to have the right security measures in place to be covered for theft, and gradual wear and tear for equipment is usually not covered.
How much is plumber insurance?
How much you pay for your business insurance package will vary depending on factors such as the number of covers you choose and how much cover you want to buy. Where your business is based can also influence the premium you’ll pay.
Whether or not you’ve claimed before can also affect premium costs. But if you're able to pay a greater excess – the amount you pay towards any claim – it can lower your monthly outlay. Geographical location and your business size are also factors.
If you work alone, you'll typically pay less, not least because self-employed plumber insurance does not need to include Employers’ Liability cover.
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