What Insurance Does a Plumber Need?

Public Liability Insurance

Must-have cover for any plumber. It protects you if your work causes injury or property damage.

Example: You’re working on a pipe that bursts and damages a customer’s ceiling — this policy covers the repair and legal costs.

Most clients and contractors will require this
We recommend at least £2 million in cover.

Employers’ Liability Insurance

Legally required if you employ anyone — even part-time help or apprentices.

Covers: Staff injuries or illness caused by their work.

Fines for not having it: Up to £2,500 per day.

Tools Insurance

Plumbing tools are expensive and essential. Tools insurance protects you against:

• Theft (especially from vans)

• Accidental damage

• Loss on site or in transit

Make sure your policy includes overnight van cover if that’s where you store tools.

Professional Indemnity Insurance

Needed if you give advice, offer system designs, or make technical recommendations.

Example: You specify a heating system layout that later fails. If your advice caused a financial loss, this policy protects you.

Contractors’ All Risks Insurance

If you take on bigger jobs — like full bathroom installations, boiler replacements, or renovations — this covers the work in progress.

Covers:

• Materials on site

• Work damaged by fire, flood, or vandalism

• Temporary works or site setups

Van Insurance with Business Use

Your van isn’t just transport — it’s part of your business. Make sure it’s insured for:

• Business use

• Tool transport

• Replacement vehicle cover, if needed

Optional Cover to Consider

• Income protection – If an injury or illness keeps you off work

• Legal expenses – For contract disputes, tax issues, or legal advice

• Personal accident insurance – For added peace of mind as a sole trader

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/