Public Liability Insurance for Plumbers

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If you are running your own plumbing firm, it is vital that you cover your back with a good public liability insurance policy.

Public Liability Insurance (PL) covers you for any damages that a member of the public may be awarded as a result of injury or damage to them or their property caused by your business. It also covers legal fees and other expenses to do with defending any claim.

Public Liability Insurance

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Public Liability Insurance for Plumbers

Much like with any other business, public liability insurance for plumbers provides cover tailored to meet the needs of a plumbing business.

If you are a plumber then you may wish to seek the protection of public liability insurance in case of claims being brought against you by a member of the public in the course of your work.

Public liability insurance for plumbers can feature:

  • Cover against injury to the public.
  • Cover against damage to property owned by members of the public.
  • Possible extensions of cover for temporary employees and sub-contractors.

Public liability insurance for plumbers and other tradesmen can vary and optional extras can be added to tailor the policy to your individual needs.

Do I need plumber public liability insurance?

Public liability insurance is not a legal requirement if you are self-employed plumber, however you business partners, clients or the membership bodies you belong to may require you have cover in place if you are to deal with them professionally.

What does plumber public liability insurance cover?

Provides peace of mind that if an accident should happen where one of your customers or member of the public is damaged physically or financially through your work as a plumber – a  typical policy will provide financial compensation payments including the associated legal defence costs up to a set amount e.g. £5 million. Policies will differ from provide to provider.

To get a range of public liability insurance quotes from across the market click here

Special Deal: Selected Public Liability Insurance

AXA are currently offering self employed traders with a turnover below £500k for traders based in Great Britain (excludes Northern Ireland) a 10% discount when you buy online.

Public Liability
Special Features

Protect your business against accidental injury and property damage claims made by your customers, members of the public or people you visit with public liability insurance.

Employer Liability
Professional Indemnity

Get a 10% Discount When You Buy online!*

(Terms apply: No more than 8 employees; Annual turnover is less than £500k; Business must be based in Great Britain)

How much does public liability insurance cost?

This will depend on factors such as the type of plumbing work you do, where you are based, and your annual turnover.

Example of public liability insurance for a plumber

Case study:

A self employed plumber got himself into hot water after he was contracted to fit a new bathroom.

A plastic push fitting he had installed failed, causing water to leak through the property for around 12 hours, affecting neighbouring houses as well.

In this case the claim was settled for £160,000, of which the self employed plumber only paid £500.

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