Plumbers Insurance

With liability limits ranging from £1-10 million and higher limits on request, our plumbers insurance provides ideal cover for plumbing and heating engineers. Whether you work on your own or run a plumbing and heating company, protect yourself and your business with cover to help meet legal defence costs and compensation awards in the event of any accidental damage or injury arising from your plumbing work.

About Plumbers Insurance


Flexible plumbers insurance

Tailored plumbers insurance policies to include HVAC and refrigeration work


Commercial and industrial plumbing insurance

Cover for commercial and industrial plumbing and heating engineering


Dedicated plumbers claims service

Experts claim handlers to give you peace of mind

Direct Debit

Pay for your plumbers insurance by Direct Debit

You can choose to split your payment into 10 monthly instalments

Features of Plumbers Insurance

Standard cover

What is plumbers insurance?

Our insurance offers public liability insurance for plumbers and heating engineers. It provides cover for any legal fees and compensation costs you are ordered to pay for accidental injuries or damage caused during work you are carrying out.

Gas safety registered insurance

If you are gas-safe registered, our policies meet the requirements needed. Cover extensions are available if you are carrying out extensive gas work.

Industrial and commercial plumbing and heating

We can offer our plumbers insurance for commercial and industrial work, extended above the standard 70kW for domestic properties.

Cover for heat equipment

Our plumbers insurance covers accidental damage or injury caused to third party property or persons arising from the use of heat equipment - such as a blowtorches or blowlamps.

Plumbers Insurance FAQs


Do you cover areas other than domestic properties?


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


Do you cover plumbing work using gas?


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


Do you cover HVAC and refrigeration work?


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


Are labour-only plumbing sub-contractors covered in the same way that direct PAYE staff are under the employer's liability policy?


Yes. We can 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.


Can I pay for my plumbers insurance in instalments?


To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.


Where can I find more information about monthly Direct Debit?


If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0344 892 1384 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim