What is plumbers public liability insurance?
Life as a plumber is full of little headaches. Your days are spent travelling from job to job, sorting out any number of problems that might crop up during the day. And when you finally return home after your long day and kick off your shoes, you don’t even have time to make a quick cuppa before you’re back to work, organising tax returns, sending out invoices and ordering supplies. And when your job never seems to end, the last thing you really want to worry about at the end of your day is accidents and compensation claims. All you really want is to relax and rest.
Why do you need plumbers public liability insurance?
Here at Tradesman Saver, we can’t take away all the difficulties that come with running your business, but we can help burden some of that worry you’re carrying on your shoulders. With our public liability insurance that’s built specifically for plumbers, you can get covered instantly from the moment you buy, and you can even include cover for your tools and equipment, any ongoing contracts, and even employer’s liability. So, go on – what are you waiting for?
Tradesman Saver’s Public Liability Cover For Plumbers
Our standard cover is:
- Up to £5 million cover for public and products liability
- £10,000 cover for any financial loss (£50K cover optional)
- Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)
There are many insurance options which would benefit your plumbers business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally damage a customer’s carpet with your muddy work boots.
Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.
Other relevant insurance policies for a plumbers business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance. Here at Tradesman Saver we have all the coverage you may need as a plumber and you can get your quote online in minutes.
Online & Anywhere
We like to keep things simple. Your quote, purchase and documents are all available online, anytime.
No need to wait for your documents. Our tradesman cover starts from the moment you purchase.
Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.
Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.
Understanding Public Liability Insurance For Plumbers
Finding the right insurance policy when you work as a plumber can be absolutely exhausting. Wading through the masses of insurance terms in abundance around the internet can leave you feeling tired, agitated and make you feel like you’re no closer to finding what it is you actually need. But, really, the only insurance you need as a plumber is self employed public liability insurance. The foundation of any plumber’s insurance policy, public liability insurance covers your business from injury to third parties or damage to their property, as well as protecting you from claims made against you by your clients or members of the public who have been hurt or inconvenienced by your business’ activities. It’s one of the most important covers to consider when buying insurance, as it protects you from a huge breadth of accidents that could happen in your field of work.
It will protect you from situations such as:
- Accidental water damage to a client’s property
- A client injuring themselves on a cable of a power tool you’ve left out
- Damage to a client’s neighbour’s property whilst trying to fix a leak
- Injury to a member of the public caused by tripping over pipes you were due to install in a client’s property
Alongside public liability cover, there are a number of covers available that could provide useful in your line of work. These include employer’s liability insurance, which is a legal requirement for those employing staff, tools and equipment cover, and most importantly contractor’s all risks insurance, which is imperative to protect all your ongoing work on a construction site.
Plumbers Public Liability Insurance
Easy to get quote & pay, which was good,hopefully won’t find out if they are any good at claims
nice service easy to use and cheapest i found
It is very easy to use, and i am very happy. Thanks