Plumbers Insurance: Video Transcript
Hi, my name is Lorna and I’m an advisor for Towergate.
In this video we’re going to talk about the main features of a plumbers insurance policy.
Plumbers insurance from Towergate provides liability and business protection for plumbers based in the UK. Regardless of the size or turn-over, or structure of your business, the service can be tailored to your exact needs and risks meaning you cover the risks you face and don’t pay for what you don’t need.
As a UK plumber, our service can cover you for:
fitting and repairing plumbing systems and most general plumbing work
Surveying, quoting or consulting
Private plumbing work, as well as public and council contracts
We can even provide you with cover if you diversify into other trades, such as gas fitting or carpentry.
Plumbing liability insurance
In such a regimented and highly skilled line of work, liability insurance is one of the most important covers for your business.
And Towergate will put together a package of covers that can include:
Public liability insurance for plumbers
An injury or loss to a member of the public as a result of your business could result in a claim being brought against you. Public liability insurance can cover these costs. You can set the amount of cover you need, and if you need to raise the limit say, to take on a public contract, you just need to call.
Employers liability for plumbers
Most businesses who have any staff, be they full, time part time, contracted or even un-paid, you are legally required to have employers liability insurance. If an employee was to be hurt while performing their job you could again be liable. Not only is it then a legal responsibility, but also a duty of care as an employer to provide adequate protection for you staff.
And product liability for plumbers
Products you use, make or refurbish may need to be protected for faults with product liability. Should someone became injured a claim could be brought against you.
Remember, if you don’t yet have any need for certain covers you won’t have to pay for them, of course, as your business grows or changes, you simply need to call your advisor to increase or decrease limits, or add new covers. It’s that simple.
Tools cover for plumbers
The tools and parts you use on a daily basis are what allow you to do your job. By simply adding up their value and letting us know we can add tools cover to your policy. This means if they are damaged or stolen you can claim for them to be replaced. So if a complete replacement of all your tools is prohibitively expensive you may want to consider this cover. As long as you can keep them securely locked, where ever you store them when not on your person. We can find a solution that works for you.
Contract works for plumbers
Contract works is an important consideration when insuring your business. Liability insurance protects the public, your customers and your staff, but if a fire or storm for instances causes damage to a job you are working on, it is contract works insurance which you would be able to claim against to recover the costs. Further advise is available when deciding to the levels of cover you may need here.
There are quite a few other options too when setting up your plumbers insurance so browse our site for more info or give one of our advisors a call on the number on the screen.