Plumbers Insurance

Markel Direct provide and administer this cover. Markel Direct is a trading name of Markel International Insurance Company Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Financial Services Register no. 202570).

As a UK plumber, this insurance offers:

• Fitting and repairing plumbing systems and most general plumbing work
• Surveying, quoting or consulting
• Private plumbing work, as well as public and council contracts
• The policy can even provide you with cover if you diversify into other trades, such as gas fitting or carpentry.

Yes. it is possible to cover both types of plumbing employees for the same risks. However, it is very important to declare how your workforce are employed, as this will affect how your risks are calculated.

Yes, the plumbers insurance can include heating, ventilation, air conditioning and refrigeration work. Please specify when applying as they will be noted as different trades.

Yes, plumbers insurance for commercial and industrial work can be covered, extended above the standard 70kW for domestic properties. Cover can include work in commercial properties and high-risk areas such as airports.

Yes, gas is generally included in your cover, subject to you being a gas-safe registered contractor.

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 from the options of £1m, £2m or £5m.

Most businesses who have any staff, whether they are full, time part time, contracted or even un-paid, as an employer 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.

Products you use, make or refurbish may need to be protected for faults with product liability insurance. 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. As your business grows or changes you can add new covers and increase or decrease limits mid-term.

The tools and parts you use on a daily basis are what allow you to do your job. By simply adding up their value, you can add tools policy to your cover. 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, wherever you store them when not on your person. You can find a tools insurance solution that works for you.

To help you spread the cost of your premiums, you can choose to spread payment over ten months with the Markel quick and easy Direct Debit scheme.

If you bought your policy before 7^th June 2024, you can view all your documentation in your online portal here. If you purchased your policy on or after the 7^th June 2024, you can access your documents here.

For details of the terms, exclusions and conditions applicable, please refer to the full policy documentation provided by Markel Direct which will be available during the quotation process.