{"id":6167,"date":"2019-05-09T14:42:58","date_gmt":"2019-05-09T14:42:58","guid":{"rendered":"https:\/\/www.holmesmedia.co.uk\/?p=6167"},"modified":"2021-01-07T10:06:47","modified_gmt":"2021-01-07T10:06:47","slug":"guide-to-professional-indemnity-insurance-for-plumbers","status":"publish","type":"post","link":"https:\/\/www.boilerguide.co.uk\/trade\/blog\/guide-to-professional-indemnity-insurance-for-plumbers\/","title":{"rendered":"Guide to Professional Indemnity Insurance for Plumbers"},"content":{"rendered":"<p>As a plumber, it\u2019s important that you\u2019re covered by the right insurance. While you\u2019ll find that not all forms of insurance are legal requirements, that doesn\u2019t make them any less essential. Taking out the right plumber insurance could save you from having to make a payout with your own money.<br \/>\nWe\u2019ve broken down all the different types of plumber insurance so that you know which you need, what\u2019s covered and how they will help your plumbing business.<\/p>\n<h2>Why is plumber insurance essential?<\/h2>\n<p>Accidents can happen to even the most careful of plumbers. In some cases this could lead to you having to find the money to make large payments as compensation. Being covered by the correct insurance will mean that you\u2019re protected should a customer make a compensation claim.<br \/>\nThere are several forms of insurance that will mean you\u2019re covered in a variety of circumstances. While employer\u2019s liability insurance is the only legal requirement if you have any employees, taking out as much cover as possible will protect your business in a variety of circumstances.<\/p>\n<h2>Insurance plumbers need<\/h2>\n<p>Not all forms of insurance are required by law but that doesn\u2019t mean it\u2019s not a good idea to take out coverage. As a plumber you should look into the following forms of insurance:<\/p>\n<ul>\n<li>Employer\u2019s liability insurance &#8211; legal requirement<\/li>\n<li>Professional indemnity insurance<\/li>\n<li>Public liability insurance<\/li>\n<li>Personal accident insurance<\/li>\n<\/ul>\n<p>Also, should something happen to your van or tools then you won\u2019t be able to work so you\u2019ll want to cover them with the appropriate insurance too, which we\u2019ll come onto later in the article.<\/p>\n<h2>What is employer\u2019s liability insurance?<\/h2>\n<p>For anyone running a plumbing business that hires at least one plumber or heating engineer, then you need to take out employer\u2019s liability insurance by law.<br \/>\nWith employer\u2019s liability insurance, you\u2019re covered in the case that one of your employees gets injured while completing a job for your company.<br \/>\nEmployers without this cover could receive a fine of \u00a32,500 for every day without it.<\/p>\n<h3>What is professional indemnity insurance?<\/h3>\n<p>In the event that a customer takes legal action against you as they believe they\u2019ve been given misleading advice or there are issues with the work, having professional indemnity insurance will ensure that you\u2019re covered.<br \/>\nThis isn\u2019t a legal requirement but as a plumber providing advice to customers on a daily basis, you should make sure you have professional indemnity insurance.<\/p>\n<h3>What is public liability insurance?<\/h3>\n<p>Public liability insurance isn\u2019t a legal requirement but this doesn\u2019t mean it\u2019s not worth having. By taking out public liability insurance, you\u2019ll be covered for any financial liabilities that are the result of your work.<br \/>\nTo give you an example, let\u2019s say you fit some new piping around a property but a few days later it begins to leak, causing damage, the policy will pay an agreed amount of compensation to the customer.<br \/>\nAs we mentioned, public liability insurance isn\u2019t required by law but it\u2019s worth noting that some customers will require you to provide proof that you have a policy before you\u2019ll earn the contract.<\/p>\n<h3>What is personal accident insurance?<\/h3>\n<p>In the event that you\u2019re injured on a job and unable to work, personal accident insurance will see that you\u2019re covered for lost income as well as any medical costs. This is particularly important if you wouldn\u2019t have enough money coming in if you were unable to work for a certain period of time.<\/p>\n<h3>Difference between professional indemnity insurance and public liability insurance<\/h3>\n<p>Should a business experience financial or reputational loss as a result of work you\u2019ve carried out, then professional indemnity insurance will cover you. Public liability insurance, meanwhile, will mean that you\u2019re covered for damage to property or physical injury that happens as a direct result of any work you\u2019ve carried out.<\/p>\n<h3>Tool insurance<\/h3>\n<p>Without your tools you\u2019re unable to work so taking out some form of <a href=\"https:\/\/www.boilerguide.co.uk\/trade\/blog\/tool-insurance-guide-for-heating-engineers\/\">tool insurance<\/a> is vitally important for any plumber.<\/p>\n<h3>Van insurance<\/h3>\n<p>Your van is equally as important as your tools so the right cover for your vehicle is essential should it end up damaged or stolen. Not to mention insuring your vehicle being a legal requirement.<\/p>\n<h2>Top insurance companies for plumbers<\/h2>\n<p>Now that you know the types of insurance you need to take out, you\u2019ll need to find the right insurance company. The following companies all have plumber insurance policies that are worth comparing to find the right one for you:<\/p>\n<ul>\n<li>AXA<\/li>\n<li>Direct Line<\/li>\n<li>Hiscox<\/li>\n<li>Premierline<\/li>\n<li>Simply Business<\/li>\n<li>Performance Direct<\/li>\n<\/ul>\n<p>When taking out tool insurance, make sure that you have an accurate total value which will help to make things much easier should you ever need to make a claim. It\u2019s also important to check that the tool insurance policy covers them against damage or theft while in transit.<br \/>\n<div class=\"row cta-banner text-center \"><div class=\"col-12\"><h4 class=\"font-bold\">Does your business need more sales?<br \/>\nTry our lead buying platform today<\/h4><p class=\"pt-3 mt-4\"><a class=\"btn btn-success btn-fixed text-decoration-none font-bold py-2\" href=\"https:\/\/dashboard.boilerguide.co.uk\/register\"  target=\"_self\" >Try Us Today<\/a><\/p><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a plumber, it\u2019s important that you\u2019re covered by the right insurance. While you\u2019ll find that not all forms of insurance are legal requirements, that doesn\u2019t make them any less essential. Taking out the right plumber insurance could save you from having to make a payout with your own money. We\u2019ve broken down all the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4930,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[2],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Plumbers\u2019 Guide to Professional Indemnity Insurance | Boiler Guide Trade<\/title>\n<meta name=\"description\" content=\"Unsure about the insurance you need as a plumber? 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