Plumbing Insurance Frequently Asked Questions
Why do I need plumbers insurance?
Plumbing insurance is essential of all plumbers and associated trades, so whether you work in kitchen or bathroom fitting, drainage or central heating installation it is vital that your business has adequate insurance cover. The plumbers insurance policy from Constructaquote.com combines both public and employers liability insurance, thus protecting your business against liability claims from both members of the public and members of staff.
How do I get a policy?
At Constructaquote.com we strive to make purchasing your plumbing insurance policy as straight forward as possible. Once you have filled in your risk details we will compare plumbing and drainage insurance quotes from our panel of insurers and deliver them in a manner that allows you to make an informed decision and select the policy that best suits the needs of your company.
What is public liability insurance and employers liability insurance?
Public liability insurance for plumbers covers your business against claims from third party bodily injury or property damage claims resulting from your business operations. Employers liability insurance is compulsory by UK law. As a business, if you employ any member of staff whether it be a contractor, sub-contractor, member of staff or temporary member of staff it is essential that you have employers liability insurance. The penalty for not having this in place is up to £2,500 for every day they employ someone without cover.
What levels of indemnity do you offer under a plumbers liability insurance policy?
Under a general plumbing insurance policy we can offer indemnity limits of £1 million, £2 million or £5 million. If you feel your business requires a higher level of public liability cover please contact one of our dedicated Account Handlers on 08081 686868. The level of indemnity for employers liability is up to £10 million.
How does the temporary employee benefit work?
If you take a plumbing liability insurance policy (a combined public and employers liability policy) you will be automatically entitled to up to 50 days of temporary employee cover (this can be extended to 100 days with a specialist electricians insurance policy from Norwich Union).
How does the health and safety discount work?
If you can prove that you have a good health and safety record you could be entitled to a further discount on your builders insurance policy. For more information on this please call one of our dedicated Account Handlers on 08081 686868.