How Much Does Plumbing Insurance Cost?
Plumbing insurance costs vary depending on the type of cover, the size of your business, and the risks involved. Here’s what to expect — and what affects the price.
Typical Plumbing Insurance Costs
While every policy is tailored, here’s a rough guide to monthly costs for UK plumbers:
| Type of Cover | Estimated Monthly Cost |
|---|---|
| Public Liability (£2M–£5M) | £7 – £25 |
| Employers’ Liability | £5 – £15 |
| Tools Insurance | £5 – £12 |
| Professional Indemnity | £10 – £30+ |
| Contractors’ All Risks | £15 – £35+ |
| Income Protection | £10 – £25 |
Combined policies often come with discounts when bundled together.
What Affects the Cost?
Several factors influence how much your plumbing insurance costs:
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Level of cover (e.g. £1M vs £5M public liability)
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Your business size – sole trader vs limited company
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Number of employees
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Type of work – domestic, commercial, or industrial
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Claims history
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Equipment and tool value
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Add-ons like personal accident or legal expenses
Is Cheap Insurance Always Best?
Not always. Cheapest policies often:
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Don’t cover overnight tool theft
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Have higher excess fees
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Exclude key services like boiler work or subcontractors
It’s better to choose a policy that reflects how you actually work — and protects you properly when things go wrong.
Save With Combined Plumbing Cover
At ABA Insurance, we help plumbers save by combining:
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Public liability
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Employers’ liability
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Tools and van cover
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Professional indemnity
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Contractors’ all risk
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Income protection
Need a quote or want to review your current policy?
Call us on 01474 833 322 or get a fast online quote at: www.abainsurance.co.uk/trades-insurance-quote/
