Plumbers' Insurance
Any successful plumbing business is backed by a comprehensive plumbers’ insurance policy, and we can help you get your hands on one.
Why choose Howden for Plumbers' Insurance?
Here at Howden, we know how difficult and stressful it can be for tradesmen to find the business insurance policies they need, and that’s why we do our best to instead, do the heavy lifting for you, so you don’t have to. Thanks to the brilliant relationships we have with our selected panel of both standard and specialist insurers, we’re able to make the process of sourcing various different plumbers insurance policy, on your behalf, simple and straightforward.
Our team of friendly experts understand that each plumbers’ insurance cover needs to be unique and tailored to the policyholder and their business. That’s why we provide a personalised service for our clients, which focuses on getting to know you and your business better, whilst also learning more about what you want from your plumber insurance.
So, what are you waiting for? Whether you need to make a claim, purchase a new plumber policy, or renew an existing one, just know that we’re always here to help.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim
What is Plumbers’ insurance?
A plumbers’ business insurance policy is there to protect plumbers against claims that stem from the work they do. Maybe a client believes you should be made liable for a mistake? Perhaps an employee of your business gets injured whilst out on the job? Or maybe your tools or stolen, damaged or lost?
For plumbers, there’s a wide range of different business insurance products that they can pick and choose to protect their business, all of which can compile together to create a comprehensive plumbers’ insurance policy.
Do plumbers need insurance?
Yes, plumbers absolutely need insurance! Like almost all trade occupations, plumbers need insurance in place in order to mitigate the obvious risks that come with taking financial responsibility when accidents happen. And after all, it’s better to expect the unexpected.
With Howden, plumbers can get their hands on whatever insurance they need – whether it’s liability cover to protect their business from third-party and employee claims, or tools cover to protect their most valuable equipment.
What insurance do plumbers need?
The first business insurance policy plumbers should get is a public liability insurance policy. This cover is crucial for all plumbers because of how it can protect them and their business from the consequences of third-party claims which stem from accidental injuries or property damage.
However, here at Howden, public liability insurance isn’t the only business insurance that we have available. Below is a list of cover options that are available to plumbers – take a look, and pick and choose which types of cover you could benefit from and can help build a well-rounded plumbers’ insurance package.
Public Liability Insurance
Be ready for the unexpected and get public liability cover to protect your business from third-party claims.
Employers’ Liability Insurance
Employers’ liability insurance is legally required if your business has employees, protecting them and yourself if claims are made following accidents or mistakes.
Professional Indemnity Insurance
Protects businesses against claims made by clients following negligence or wrong professional advice resulting in financial loss.
Tools Insurance
Don’t leave yourself unarmed and unequipped when something happens to your tools – get them replaced or fixed right away thanks to tools insurance.
Business Van Insurance
Keep your plumbing business on the road by getting the right protection for your business vehicle.
Personal Accident Insurance
Accidental injuries and illnesses can be detrimental to businesses – unless you have personal accidental insurance to bail you out.
Legal Expenses Insurance
Legal action is often a common consequence of compensation claims, so businesses fall back on legal expenses insurance to cover any legal costs or fees that are generated from court case defences.
Business Equipment Insurance
Your business equipment is what keeps your business running smoothly, so it makes sense that you have policy in place to ensure its suitably covered.
Plumbers’ Public Liability Insurance - how does it work?
The purpose of public liability insurance for plumbers is to provide coverage for any third-party claims that arise following accidental damage to a property or bodily injury caused by the activities of a plumber during the course of their work.
Whilst unlike employers’ liability insurance, it’s not a legal requirement to have a public liability certificate, having this cover is so important for businesses, ensuring that they remain as financially secure and stable as possible when the unexpected happens.
Imagine, for example, you’re working in a customer’s home and you accidentally leave one of your larger tools out, and the customer trips over it and badly hurts themselves. Or imagine that something slips out of your hand whilst up a ladder, and it rebounds against a wall, causing significant property damage.
In both of these scenarios, the plumbing work you do would be held liable for the accident or mistake, and without public liability cover in place, you would have to compensate for the claim out of your own pocket.
Ultimately, accidents happen all the time, and public liability insurance can act as a safety net, offering you the peace of mind you need to be able to operate your business without fear of being hurt by financial liability.
Claiming on Plumbers’ insurance
Whatever’s happened, we’re here to help.
The first thing to do to start a claims process on your plumbers’ insurance policy is to get in touch with your local branch, which you can access via our Howden Branch Finder.
Once you’ve got in touch with a member of the team, it’s then their responsibility to make sure your claim is dealt with as efficiently and as quickly as possible. When you have a plumbers’ insurance policy with Howden, claims don’t need to be any hassle.
You can also get in touch with us by either calling us on 01276 601 690, or by scrolling to the top or bottom of this page and clicking the Get a quote button.
How much does Plumbers’ insurance cost?
It’s the question that plumbers ask us the most, but the truth is, it’s incredibly tough for us to estimate how much your plumber’s insurance premium will cost, because no two policies are the same. Every plumber is unique, needing a specific policy to protect their business, so premiums are bound to be varied.
As well as that, every insurance provider is different too, so you should never expect insurance premiums to be consistent across the industry. We can, however, tell you some of the factors that could impact the how a premium is calculated, including:
- The types and level of cover you’re after
- Your claims history
- Where you and your business are located
- The risks you face as a plumber
- Whether you wish to pay your premium upfront or in monthly instalments
Because of these factors and how much a premium price can depend on them, we’d absolutely recommend speaking to an insurance specialist or broker first, before buying any policy.
When you speak to a member of the Howden Insurance team they’ll help you assess your options whilst getting a better understanding of exactly what you’re looking for from a policy. They’ll also take into account your budget, and help you find real quotes that meet your insurance requirements, but don’t force you to compromise on cover.
Here at Howden, you also have the option to pay for your insurance policy via direct debit, if that's your preference.
Who do we also insure?
Not only can we help plumbers, but we can also offer cover for a wide range of other tradesmen, such as:
- Bricklayers
- Builders
- Carpenters
- Car Valets
- Cleaners
- Contractors All-Risk
- Contractors
- Electrician
- Handymen
- Gardeners & Landscapers
- Gas Engineers
- Limited Companies
- Market Traders
- Mechanics
- Painters and Decorators
- Roofers
- Sole Traders
- Subcontractors
- Tradesmen
- Tree Surgeons
- Window Cleaners
Related Articles
Want to learn more about insurance for plumbers? Have a read of the articles below that you can find on the Howden Blog!
- Tools stolen every 15 minutes – latest cost to the trade revealed
- All you need to know about public and product liability insurance
- How to go Self-Employed: Your Complete Guide
Plumbers' Insurance FAQs
What do plumbers do?
Plumbers are responsible for fitting and maintaining water, heating and drainage systems in buildings, whether that be homes or business premises. The systems that plumbers either repair or install can include baths, showers, sinks, toilets, washing machines, dishwashers, boilers and many more, but this can depend on the level of experience or qualifications that the plumber has.
Ultimately, the maintenance of plumbing systems requires a high level of skill and expertise, and the trade is always in demand, making it an attractive job opportunity.
Do plumbers need Professional Indemnity Insurance?
Professional indemnity insurance ranks highly as one of the most important business insurance policies for plumbers, but whether they need it depends on the nature of their work and the specific risks involved.
This cover is designed to protect businesses against claims arising from professional negligence or errors in the delivery of services. For instance, if a plumber offers specialised advice or consultancy services in addition to practical plumbing work, there may be a need for professional Indemnity Insurance to provide coverage for claims related to professional advice or services. Legal fees and compensation costs associated with these claims could be covered too.
Having professional indemnity cover can also be good for a business’ reputation, showing potential clients that you’ve got the right cover in place if it’s needed to be called upon.
Employers Liability Insurance
Liability cover that protects you, your employees, and your business.
It’s essential that you and your business are ready when the unexpected happens. Look no further than Howden’s employers’ liability insurance.
Public Liability Insurance
Public Liability Insurance you can trust
Look no further than an insurance broker for essential protection against third-party damage and injuries.
Professional Indemnity Insurance
Professional indemnity cover that backs your business
Sometimes things go wrong in business, and that’s normal, but you need reliable professional indemnity insurance to help soften the blow.