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Professional Plumber Insurance

A Professional Plumber provides a wide range of specialist plumbing services. Whether you are bathroom installers or kitchen fitters, pipe specialists or green energy specialists, our professional plumber insurance covers you for all plumbing and related risks.

As a Professional Plumber you should consider the following types of insurance to protect you and your business:

  • Public liability covers you for claims made against the business for injury or damage to third parties.  If a third party decide to take action against you, you are covered subject to the policy terms and conditions. Before going on site it is now common place for the main contractor or principal to demand written evidence that you have a current policy in force.  In some cases the Indemnity may have to be increased to meet their contract minimum requirements.
  • Employer’s liability is compulsory if you have Employees.  An Employee however can be a self-employed contractor working under your direction and extends to any agency workers or trainees you may engage.
  • Tool cover. Over the years you spend thousands and thousands of pounds on your tool collection. Plus you’ve probably upgraded some items from time to time. Think about the cost of replacing the entire set, in one go. Tool cover will ensure you’re protected if the worst happens.  Including cover for overnight vehicle theft subject to adequacy of alarm protection and possible tool safes in vehicle.

Optional extra insurance might include cover for your vans and possibly premises. You may even be able to add these covers to your insurance policy:

  • Stock cover for when you’re on the move. Ideally this should include van cover overnight.
  • Contract Works that insures you for site materials as well as Plant and Equipment including Transit Cover anywhere in the UK, ideal when you are transporting designer bathroom sinks, shower units and expensive kitchen taps and tiles.
  • Our Scheme has no heat warranty on domestic plumbing instead a duty of care (the ability to extinguish a fire).

There are different ways to source your cover as a professional plumber. You can ring around and speak to a number of brokers, you can cover individual elements separately or alternatively, save money and buy an ‘all in one package’ that is specifically designed for those in the plumbing business provided from people who understand the trade.

“Courtprice have provided our cover for years. They’re competitive, provide a total package, so we set up our annual reminder and sleep easy. And we know that if the worst happens, it’s a single phone call to the Courtprice team in Birmingham”

You might be a small family run plumbing business providing domestic plumbing services, or be a team of ex-gas board employees who have worked in plumbing in the private and social housing environment for many years, or a long-established professional plumbing team working on a range of plumbing projects from bathrooms to boilers, new builds to changing taps, whatever your situation, as a professional plumber we have the right insurance cover for you. Save time, save hassle and get covered, in one complete package.

Professional Plumber Policy documents incorporate:

  • Employers, Public/Products Liability, Financial Loss and Professional Indemnity Insurance protection
  • Options to extend to much higher limits and to incorporate “Collateral Warranty” protection
  • BIM Liability catered for, should it be necessary
  • Select the Indemnity Limits that your business needs

Property Insurance

  • Office Buildings/Contents including at home cover
  • Warehouse Protection
  • Showroom Protection
  • Workshops and Manufacturing Sites catered for

Tools and Stock

  • On the move, including van cover overnight

Contract Works

  • Covering site materials and Plant and Equipment including Transit Cover anywhere in the UK

Business Revenue

  • Protection provided against losses suffered by your business should an Insured Peril (e.g. Fire) damage the premises from where your business operates
  • The Contract can be extended to include Money Cover, Glass Shop Fronts, all incorporated under one ‘package’ document

This saves on administration costs and we can pass savings to you in the form of lower premiums

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