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What is plumbers insurance?
Plumbers insurance is a specialised type of coverage designed to protect plumbing professionals against potential risks and liabilities associated with their work, including damages, injuries, and legal claims.
Plumbers Insurance from Rhino is tailored to each individual plumbing business. Public Liability Insurance is a core product, and from there you can build your package to suit the specific needs of your business to include other valuable policies such as Tool Insurance, Professional Indemnity Insurance, Income Protection Insurance and more.
Determining what your business needs is crucial to what insurance you choose. Work in a high-crime area with expensive kit? You may want to consider Tools In Transit Insurance. Are you worried that the advice you give in a professional capacity will come back to bite you? Professional Indemnity Insurance will cover you. Do you regularly work on large projects and want to insure the entire contract works? Then Contractors All Risks Insurance has your back. Whatever your business needs – Rhino has a policy for that.
- Get tailored plumber insurance quotes in 60 seconds.
- Protection your business from claims.
- Join thousands of plumbers today who trust Rhino.
Rhino's Take: Rhino's largest payout for a single claim was £240,000, allowing the plumber who claimed to keep his head above water!
What does it cover?
Plumbers insurance covers a range of risks associated with the plumbing trade, from accidental injuries to third-party property damage, claims of negligence, and protection against theft or damage of essential tools. You can get the support you need when you need it most. With Rhino, you are in total control when it comes to protecting your business. From core policies like our public liability to building a comprehensive package that includes various policies, we have everything you need under one roof.
Here is a breakdown of all the coverage Rhino offers for plumbers:
Public liability insurance for plumbers provides financial protection against claims of property damage or personal injury caused by their work.
Employers' liability insurance for plumbers protects against claims from employees who suffer work-related injuries or illnesses.
Professional indemnity insurance for plumbers covers legal costs and claims for damages arising from mistakes or negligence in their professional services.
Tool insurance for plumbers covers the cost of repairing or replacing their tools and equipment if they are lost, stolen, or damaged.
Contractors' insurance for plumbers provides comprehensive coverage for contract works, plant and machinery theft and protection for claims arising from their construction and installation projects.
Personal accident insurance for plumbers offers financial compensation and benefits in the form of a one-off payment if they sustain injuries or disabilities due to an accident, whether at work or elsewhere.
Income protection insurance for plumbers provides regular income replacement if they are unable to work due to illness or injury.
Legal expenses insurance for plumbers covers the cost of legal fees and related expenses up to £50,000 incurred while defending or pursuing legal action related to their business activities.
Tax enquiry insurance for plumbers covers the costs of professional fees and related expenses incurred during a tax investigation or audit by tax authorities.
How much does it cost?
At Rhino Trade Insurance, we offer cost-effective and competitive insurance plans designed specifically for tradespeople. For plumbers, our core Public Liability Insurance policy starts at £290.00 per year or 26.67£ per month*, and from there you can add additional products to create a suite of cover specifically needed for your business.
The cost of your insurance will vary depending on the type of coverage you require, the size of your company, and the particular hazards related to your line of work. Don't worry, though; we have affordable, flexible choices to suit your needs. Discover how simple it is to protect your trade business by getting quote from us today.
*All payments inclusive of IPT. Monthly payments include direct debit administration fees
Rhino's Take: Plumbers across the UK are flocking to Rhino Trade Insurance for their protection. In fact, over 31,000+ trade businesses have got a quote from us!
Why do I need it?
Working in the trades carries a level of risk, and whilst your work may be of the highest standard, accidents do happen. Not only can having the correct insurance help you gain work in the first place, it also gives you peace of mind that should something go wrong, your business is covered.
Rhino take: Did you know that water damage is one our most common claim?
We speak to thousands of plumbers, in fact we insure more plumbing and heating engineers than any other trade. Rhino understands the unique risks plumbers face and, as a result, we are dedicated to offering specialist coverage that fits your plumbing needs. Our goal is to make insurance hassle-free, ensuring that tradespeople nationwide have access to the best possible protection. With Rhino, we are not just another insurance provider; you’re partnering with a broker committed to supporting you when things go wrong. Plus, getting a quote from us is effortless, just click on the 'get quote' button below, answer a few questions, and you’re up and running.
WHY CHOOSE YOUR PLUMBER INSURANCE FROM RHINO TRADE INSURANCE?
At Rhino, we understand the risks and problems faced by a plumber on the job. That’s why our insurance works for you. We’ve made getting insurance for plumbers from Rhino so easy, straightforward and quick. We know your time is valuable, so we won’t make you wait on hold for ages or bamboozle you with lengthy documents. We are proud to offer policies you can take out on your lunch break from your smartphone.
Your insurance documents will be delivered straight to your inbox, and that’s it – immediate cover in time for your afternoon’s work. Rhino offers a 14-day cooling-off period, so even if you do change your mind, you can cancel without fees within 14 days.
With Rhino Trade Insurance, sorting your Plumbers Insurance is easy. You don’t need to wonder which policies you need, as we have them all in one place for you to choose from. You don’t need to worry about being sold packages of insurance that aren’t relevant to you. Instead of selling one-size-fits-all packages like other insurance companies, Rhino lets you build a bespoke package with only the insurance policies you need – and none that you don’t – all in one place.
Rhino Trade Insurance are trade insurance experts. We’ve won multiple awards for what we do, and our unique customer experience is industry-leading. Rhino is proud to partner with real tradesmen and women around the UK who help us promote, design and shape our insurance products and services.
Finally, tens of thousands of happy customers can’t be wrong! Check out our five-star reviews.
How does Public Liability Insurance for plumbers work?
Public Liability Insurance is known as the ‘bread-and-butter’ policy for tradespeople. It’s so important to have in place before you so much as pick up a tool, because it covers you financially in case of accidents, injuries or property damage caused by you while working.
No matter how careful you are, there’s plenty of scope for accidents and damage in the plumbing game. Whether it’s the tools you use, the equipment that might be left lying around, or even where you park your work van outside a customer’s home or premises – you never know when something can go wrong.
If a third party (such as a customer or member of the public) gets injured or has their property damaged by you as you work, you’ll be on the hook for the costs associated. This can include court fees, damages, compensation, private medical expenses and more. Unsurprisingly, this can add up to some serious sums. Luckily, Rhino can cover you for up to £5M.
Many customers, especially professional bodies, won’t hire a plumber unless they have good Plumbers Public Liability Insurance in place.
Remember, with Rhino you can take out your Public Liability cover alongside a range of add-on policies, including:
- Employer’s Liability Insurance
- Personal Accident Insurance
- Contractor’s All Risks Insurance
- Income Protection Insurance
- Tools Insurance
- Van Insurance
- Tax Enquiry Insurance
What about insuring my plumbers’ tools and equipment?
As a plumber, you’ll most likely have a large collection of tools and equipment you’ve built up over many years. These tools getting stolen, lost or damaged would spell disaster for your business and would likely leave you without income for a week or more while you set about trying to replace them.
Rhino offer a Tools in Transit policy, which gives plumbers everywhere priceless peace of mind. With this cover, you can get your tools repaired or replaced in no time without having to spend a penny of your own money. Rhino’s policy will insure your plumber’s tools and equipment up to £7,500.
What insurance do I need if I'm a plumbing sub-contractor?
If you’re a subcontractor, you may be covered by the Public Liability Insurance policy of the contractor you’re working for. It’s a bit of a grey area sometimes, so be sure to double-check in case you’re not sure.
Any good contractor will tell you if you need your own policy before you start working for them. A rule of thumb is that if you’re working independently (so not always under the direct supervision of a contractor) and use your own tools, then you’re going to need your own Public Liability Insurance policy.
PLUMBERs INSURANCE COVER
Not sure if Plumbers Insurance from Rhino will cover your specific line of work? Take a look at the trades we cover below:
- Plumbing and Heating
- Gas Fitters
- Drain Cleaners
- Bathroom Installers
- Kitchen Installers & Fitters
- Fireplace Installation
- Air Conditioning Engineers
- Heating & Ventilation Engineers
- Refrigeration Engineers…
and many more! Remember, Rhino are the trade insurance experts, so whatever weird and wonderful trade you’re in, try us! We’re confident we can find a tailored policy to suit you.
WHY CHOOSE RHINO INSURANCE?
- Low-cost tradesman insurance
- High levels of indemnity at low premiums
- No fees for paying monthly
- Tailored packages
- Documents issues instantly
- UK telephone support
OTHER PLUMBERS INSURANCE CONSIDERATIONS
CAN YOU AFFORD TO REPLACE YOUR TOOLS IF THEY ARE LOST OR STOLEN?
Plumbers, like other contractors, have a range of tools that they require in order to carry out their jobs. These tools can be expensive to replace if they are lost, damaged or stolen, so it pays to include ‘tool insurance’ in your list of plumber’s insurance.
ARE YOU PROTECTED AGAINST Tax enquiries?
HMRC are more likely than ever to investigate or make enquiries into tax returns, especially those of tradespeople. There does not need to be any wrongdoing in order for them to open an enquiry, so it is wise for plumbers to have a tax enquiry insurance policy in place. This will cover accountant and solicitor fees associated with defending you and should it come to it, Rhino are able to arrange for specialist representation in court.
PREFERRED PARTNER OF PLUMB APP UK
Rhino Trade Insurance is proud to be the official insurance partner of Plumb App UK. Plumb App supports thousands of Plumbers across the country, offering an extensive suite of information, benefits and discounts off numerous leading trade providers, and a massive community of like-minded members of the plumbing workforce.
