By providing your details you confirm you agree with our Terms and conditions and Privacy notice
Entrust icon 100% Secure


Plumbers insurance

We know that finding the right insurance for your business can be a drain, join other plumbers like you who trust us to find them quality cover at competitive prices.

Why choose us?

  • Cover for all plumbing trades including heating, gas fitting and bathroom installation
  • UK based call centres
  • Since 1990, we've helped small businesses find cover to stay protected.
  • The ability to combine different types of insurance under one quote
Feefo Logo
Constructaquote Feefo Star Rating

Rated out of 5
from reviews

28 years of insuring business Call Us

What is Plumbers Insurance?

Plumbers insurance can offer you multiple covers that suit your business needs from public liability, contractors all risk, tools insurance and more.

Whatever your trade, accidents may happen and when they do, there is always the risk of those accidents causing untold damage to the property in which you are working, or even worse, causing injury to someone.

If you are working in the plumbing or heating engineering trades, there are multiple risks that if something goes wrong they can result in financial losses for your business. If damage is caused or someone is injured, is your business going to be able to afford the compensation you are likely to be ordered to pay to the injured party or parties?

As you may use specialist tools that are often expensive, could you cover the cost if they are stolen or have been accidentally damaged? You could also consider cover for tool and plant hire with contractors all risk. That’s why can help you find the insurance that best covers your business.

Do plumbers need insurance?

If you employ anyone else in running your plumbing business – whether at the scene itself or in some administrative capacity – you are obliged to have employers’ liability insurance. Not only must you have such cover, but it must also provide at least £5 million of cover.

You are not legally required to hold public liability insurance to work as a plumber or heating engineer, but you do have a duty of care for your customers and members of the public who may suffer from an injury or have their property damaged as a result of your work. This can come with compensation claims and for that reason, we offer public liability insurance with £1 million of cover as standard.

When it comes to tools, equipment, consumables and materials for your work, these may represent a significant investment on your part. In order to protect that investment against the risks of theft, loss or damage and to provide the funds for necessary repairs or replacement, you might also want to consider the benefits of contractors all risks insurance.

Do plumbers need professional indemnity?

When working as a plumber or heating engineer, you might be providing advice to your customers about their property. Even if you are extremely careful on the advice you give, anything can go wrong, which could be blamed on your expert advice and professional service. If you are found liable to this, you can face a large fine.

Professional indemnity insurance can help protect your business against claims of negligence, libel, and infringement. Plumbers, heating engineers, and more can benefit from professional indemnity. You can also get a policy with a retroactive date, we can backdate your professional indemnity policy provided that there are no impending claims.


  1. Cover can be upgraded to include own plant & tools, hired in plant and contract works
  2. Policies available both on per capita or turnover/wages basis
  3. Dedicated UK based account manager
  4. Flexibility to adapt your policies throughout the year

Read our guides

Read our FAQ's

It is essential to have sufficient public liability insurance cover to protect yourself and your business against claims of negligence, resulting in injury to a member of the public or damage to property. Failure to do so could result in a legal claim being brought against you and your business for damages in the event of a claim.
The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required.
Professional indemnity is not a legal requirement. However, when bidding for a contract most companies will…

Read More
The type of legal cover important to you will really depend on your business type. We have produced an in-depth professional indemnity insurance guide that will…

Read More

Related Products