Plumbers Public Liability Insurance

Everything You Need To Know About Essential Public Liability Insurance For Plumbers

Understanding the world of plumbers public liability insurance can be daunting, but not with ABA Insurance . As a plumber, you face tonnes of obstacles.

Our comprehensive public liability insurance is designed to protect your business from these unforeseen incidents, ensuring you can work with peace of mind.

What You Get

Liability

Fleet

Plant

Professional Indemnity

Legal

And more…

What is Plumbers Public Liability Insurance?

Plumbers public liability insurance is a vital form of coverage that protects your business if someone is injured or their property is damaged as a result of your work. This insurance covers legal fees, compensation claims, and other related costs, providing financial protection and security for your business.

Do Plumbers Need Public Liability Insurance?

As a plumber, you’re well aware of the potential hazards involved in your work. From water leaks and burst pipes to accidental damage and personal injuries, the risks are numerous. Public liability insurance is crucial because it safeguards your business against costly legal claims and compensation payouts.

Common Risks for Plumbers

Water Damage

Accidental leaks or burst pipes can cause significant damage to a client’s property.

Property Damage

Drilling or other installation activities can unintentionally damage walls, floors, or fixtures.

Injuries

Clients or third parties could be injured on-site due to slips, falls, or other accidents.

What Makes Us Different

We are specialists in the Construction Industry. We have the expertise and knowledge to get your business the most comprehensive and competitive insurance solution. We add value to your business by working closely with you, helping protect your business from financial loss, all while delivering a seamless easy experience.

  • Practical

    Work with a single point of contact who is your dedicated account manager

  • Price

    The most competitive price guaranteed including price matching.

  • Value

    We offer support, advice, and a claims service to assist you throughout.

Key Benefits of Plumbers Public Liability Insurance

Financial Protection

Covers legal fees, compensation claims, and other related costs, ensuring your business is protected from financial strain.

Client Confidence

Having public liability insurance reassures clients that you are a responsible professional, increasing your chances of being hired for jobs.

Legal Compliance

While not legally required, many clients and contracts mandate public liability insurance as a condition of work.

What Does Plumbers Public Liability Insurance Cover?

Injury Claims: Covers medical costs and compensation if a client or third party is injured due to your work.

Property Damage: Provides coverage for repairs or replacement if you accidentally damage a client’s property.

Legal Fees: Covers the cost of legal representation, court fees, and settlements if a claim is made against your business.

How Plumbers Public Liability Insurance Works

Imagine you’re installing a new plumbing system in a client’s home. During the installation, a pipe bursts, causing extensive water damage to the property. Without public liability insurance, you would be responsible for covering the repair costs out of pocket, which could be financially devastating.

With ABA Insurance’s public liability coverage, these costs are taken care of, allowing you to focus on fixing the issue and maintaining your client’s trust. This insurance provides a safety net, ensuring your business can weather unexpected challenges without significant financial loss.

Additional Coverage Options for Plumbers

While public liability insurance is essential, consider these additional coverages to ensure comprehensive protection:

Professional Indemnity Insurance: Covers claims if your professional advice or services result in financial loss for a client.

Tools and Equipment Insurance: Protects your essential tools and equipment from theft, loss, or damage, ensuring you can continue working without interruption.

Employers’ Liability Insurance: Legally required if you have employees, this cover protects against claims from staff who suffer injury or illness due to their work.

How Much Does Plumbers Public Liability Insurance Cost?

The cost of your public liability insurance policy depends on several factors, including:

Business Size: Annual turnover and number of employees.

Level of Cover: The amount of coverage you need.

Location: Higher-risk areas may result in higher premiums.

Claims History: Previous insurance claims can affect costs.

Type of Work: High-risk contracts or large-scale projects may increase premiums.

Factors Influencing the Cost of a Policy

Several factors influence the overall price of your plumbers public liability insurance:

Work Location: Businesses in high-traffic areas or those interacting more frequently with the public are at higher risk.

Number of Staff: More employees increase the likelihood of claims.

Occupation Risks: Trades using complex or dangerous equipment are considered higher risk.

Types and Levels of Cover: More comprehensive coverages increase the policy cost.

Optional Extras: Adding extra coverages not included in the standard policy will affect the cost.

Why Choose Us For Your Plumbing Public Liability Insurance?

ABA Insurance offers flexible, quality cover tailored to your needs, providing several benefits:

Independent Advice

Our team of specialists provides independent advice to ensure you get the best coverage for your business.

Tailored Protection

We offer protection tailored to a range of businesses, ensuring your specific needs are met.

Comprehensive Service

From quote to claim, we provide comprehensive service to support you at every stage.

Transparent Pricing

Our policies offer great value for money with no unexpected charges.

24/7 Legal Helpline

Access round-the-clock legal information and guidance from experienced solicitors.

Client Testimonials

I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment

Chris Baker

CEO/ Founder

Your Questions Answered

How do I know what level of cover I require?

Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.

What does Public Liability actually cover?

In short, this covers any damage you cause to any Third Party Property &/or Persons.

What does Professional Indemnity actually cover?

In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.

What is the difference between (BFSC) and (LOSC)?

A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.

What does Contractors All Risk actually cover?

Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).

How can I get a quote from you?

Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.

Who do I contact if I have questions?

If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.

Why should I choose ABA Insurance?

We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.

Who will deal with me at renewal?

The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.

One Point Of Contact, Countless Ways To Help.

Get Your Plumbers Public Liability Insurance Quote Today

Use our online quote generator to get a personalised quote or contact our expert team for tailored advice. It’s quick and easy, taking just a few minutes to ensure you have the right cover in place.