Plumbing Insurance

Comprehensive Plumbing Insurance

Welcome to ABA Insurance, your trusted provider for plumbing insurance. Working as a plumber involves unique risks and challenges that require specialised insurance coverage. Our comprehensive plumbing insurance is designed to protect your business, ensuring you can operate with confidence and peace of mind.

What You Get




Professional Indemnity


And more…

What is Plumbing Insurance?

Plumbing insurance is a specialised type of business insurance tailored to meet the specific needs of plumbers. This insurance covers various risks associated with plumbing work, including public liability, tools and equipment, and more.

Do Plumbers Need Insurance?

Yes, plumbers need insurance to protect against various risks associated with their work. Insurance provides financial protection and peace of mind, ensuring your business is covered against unforeseen events.

What Insurance Do Plumbers Need?

Plumbing insurance typically comprises several types of cover combined to create the best policy for your needs. These policies vary depending on the type of work you do and the size of your business.

Public Liability Insurance

Essential cover to protect your business if someone is injured or their property is damaged because of your work.

Professional Indemnity Insurance

Covers legal costs and damages if a client claims your professional advice or services caused them financial loss.

Employers’ Liability Insurance

Legally required if you employ staff, this cover protects against claims from employees who suffer injury or illness due to their work.

Tools and Equipment Insurance

Protects your tools and equipment from theft, loss, or damage.

Why Do Plumbers Need Insurance?

As a plumber, you are aware of the potential risks that plumbing work can pose to both you and your clients. Accidents can happen, and when they do, the consequences can be severe. Plumbing insurance provides financial protection and peace of mind, ensuring your business is covered against unforeseen events.

Our Top Reasons to Consider Plumbing Insurance

Client Requirements: Many clients require proof of insurance before hiring a plumbing contractor.

Legal Protection: Coverage for legal costs and compensation claims if something goes wrong.

Business Continuity: Ensures your business can continue to operate smoothly, even in the face of accidents or equipment loss.

What Makes Us Different

We are specialists in the Construction Industry. We have the expertise and knowledge to get your business the most comprehensive and competitive insurance solution. We add value to your business by working closely with you, helping protect your business from financial loss, all while delivering a seamless easy experience.

  • Practical

    Work with a single point of contact who is your dedicated account manager

  • Price

    The most competitive price guaranteed including price matching.

  • Value

    We offer support, advice, and a claims service to assist you throughout.

Key Coverages for Plumbers

Public Liability Insurance for Plumbers and Plumbing Companies

Public Liability Insurance offers protection if someone is injured or their property is damaged due to your work. This cover is crucial for plumbing contractors, providing financial protection against claims and legal fees.

With public liability insurance from ABA Insurance, you’ll get:

Up to £1 Million Protection: Covering claims for injury or property damage.

Legal Fees and Compensation: Includes solicitors’ fees, expert counsel, and compensation bills.

Optional Extras: Add cover for tools and equipment or legal expenses.

Professional Indemnity Insurance for Plumbers

If you provide professional advice or design services, Professional Indemnity Insurance is essential. This cover protects you against claims if something goes wrong after following your advice.

With ABA Insurance, you’ll get up to £1 million cover for professional indemnity.

Employers’ Liability Insurance for Plumbers

Employers’ Liability Insurance is legally required if you have staff. This cover protects you against claims from employees who suffer injury or illness due to their work.

With employers’ liability insurance from ABA Insurance, you’ll get:

£10 Million Cover: Protecting full-time and part-time employees, self-employed contractors, temporary staff, apprentices, and volunteers.

Tools and Equipment Insurance

Plumbing tools and equipment are vital for your work. Tools and Equipment Insurance from ABA Insurance protects your own or hired tools against accidental loss, theft, or damage.

With tools insurance, you’ll get:

Coverage for Own or Hired Tools: Includes business equipment like laptops and mobiles.

Protection for Accidental Loss, Theft, or Damage: Up to £2000 cover for any stock.

Additional Insurance Options for Plumbers

While public liability insurance is essential, consider these additional coverages to ensure comprehensive protection:

Business Interruption Insurance

If unforeseen circumstances prevent you from operating, this insurance compensates for lost profits while your business is out of action.

Van Insurance

Essential if you use a van for your business. Covers accidental injuries, vehicle damage, fire, and theft.

How Much Does Plumbing Insurance Cost?

The cost of your plumbing insurance policy depends on several factors, including:

Business Size: Annual turnover and number of employees.

Level of Cover: The amount of coverage you need.

Location: Higher-risk areas may result in higher premiums.

Claims History: Previous insurance claims can affect costs.

Type of Work: High-risk contracts or large-scale projects may increase premiums.

Factors Influencing the Cost of a Policy

Several factors influence the overall price of your plumbing insurance:

Work Location: Businesses in high-traffic areas or those interacting more frequently with the public are at higher risk.

Number of Staff: More employees increase the likelihood of claims.

Occupation Risks: Trades using complex or dangerous equipment are considered higher risk.

Types and Levels of Cover: More comprehensive coverages increase the policy cost.

Optional Extras: Adding extra coverages not included in the standard policy will affect the cost.

Client Testimonials

I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment

Chris Baker

CEO/ Founder

Plumbing Insurance FAQs

Do Self-Employed Plumbers Need Insurance?

Yes, all plumbers need insurance, whether self-employed or not. Learn more about self-employed insurance options on our website.

Is Professional Indemnity Insurance Necessary for All Plumbers?

If you provide professional advice or design services, then professional indemnity insurance is necessary.

Is Insurance a Legal Requirement for Plumbers?

While not all types of insurance are legally required, Employers’ Liability Insurance is mandatory if you have staff. Other coverages like public liability and professional indemnity are strongly recommended to protect your business.

One Point Of Contact, Countless Ways To Help.

Get Your Plumbing Insurance Quote Today

Protect your plumbing business with ABA Insurance. Use our online quote generator to get a personalised quote or contact our expert team for tailored advice. It’s quick and easy, taking just a few minutes to ensure you have the right cover in place.