Plumbers Insurance

Affordable Insurance for Plumbers 
– Especially Tailored for You

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Plumber Insurance

Get Affordable Plumbers Insurance – Tailored to Meet Your Needs

Plumbers Insurance to Protect Your Livelihood Against the Unexpected

It’s an unfortunate fact of life that things go wrong from time to time. Despite every professional plumbers’ best efforts to manage risk, unexpected events can come along – leading to issues such as water damage to property or more serious incidents like injury to you or your employees.

That is why having the right plumbers insurance is so important. It should be there to protect you when things go wrong – to defend you against unexpected costs, potential liability claims and any compensation awarded against you. Quite simply, plumbers insurance is vital to protecting your livelihood when the worst happens.

At NICEIC and ELECSA Insurance Services we work hard to provide our customers with specialist insurance cover for plumbers, at the right price. It’s not just any cover; it is cover designed for you – shaped by your needs to make sure you get the protection you need. No more, no less.

Our Plumbers Insurance

You can buy online and get your policy documents in minutes, or simply call us so we can get you all set up and ready to go over the phone. 

We Offer the Following*1&2

  • Employers liability cover of £10 million.

  • Cover for loss or damage to tools and office equipment.

  • Goods in transit.

  • Cover for contract works.

  • Cover for your own plant and hired in plant.

  • Cover for temporary employees up to 50 days per year.

  • Free 24 hour business legal helpline.

The Power Behind Your Business

At NICEIC and ELECA Insurance Services we are dedicated to helping protect your plumbing business when things go wrong.

We work with leading and specialist UK insurers to secure plumbers insurance that’s designed for you and only you – it’s comprehensive, tailored and affordable.

Unlike price comparison sites, we don’t leave you to do the hard work yourself, and risk ending up with the wrong cover, whether that’s too much or too little. We put in the effort to understand your needs before doing the work of securing quotes and, once you are happy, getting your plumbing liability insurance set up straight away.

No hassle. Just the cover you need, at the right price.

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Why Choose Plumbers Liability Insurance from NICEIC and ELECSA Insurance Services? 

NICEIC and ELECSA Insurance Services is part of Marsh Commercial. We’re an insurance broker and are experts at finding the right business insurance for firms just like yours. In fact, we provide more than 35,000 business insurance policies for over 21,000 customers across the UK., so we have a wealth of experience and the contacts to help our business insurance customers find the cover they need, at the right price.

We’re part of Marsh, a global leader in insurance broking and risk management. We use that strength to negotiate with insurers on your behalf – to find the best possible cover and price we can.

Our support doesn’t end when we have secured your insurance. We’re here right through the term of your policy to help you make changes to your cover should your circumstances change, and sort out renewals. Of course, if you need to make a claim we have a dedicated advocacy service on hand to look after you.

 

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Related FAQs

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What is Public Liability Insurance?

Public liability insurance is designed to protect your business if negligence on your part causes injury to a third party or damage to their property. It covers the cost of compensation, damages, and any legal costs incurred by third parties in making a successful legal claim against you. As an example, if you installed some wiring that later caused a fire which damaged or destroyed a building, and it was later deemed that you were negligent, your contractors public liability insurance would pay the costs and compensation – up to the maximum level of cover (or limit of indemnity) indicated on your policy.

How Much Public Liability Insurance do I Need?

The level of protection you take out depends on the type of risks you face. It’s really an individual decision based on the nature of each business – though it’s worth finding out what level of cover potential clients expect you to have. There may be a minimum requirement of cover required depending on the nature of the job – for example if it’s a commercial contract for a council they may require a higher level of cover compared to a domestic job. We offer public liability cover ranging from £1 million up to £10 million, depending on the insurer.

What is the Difference Between Public Liability and Employers Liability?

They are very different policies. In essence, employers liability protects against death or injury to employees whilst at work, while public liability protects against death or injury and damage to property, affecting everyone apart from employees, and which comes about as a result of your work.

What is an Employee?

An employee is someone who works part-time or full-time under an employment contract.

What is a Labour-only Sub-contractor?

Labour-only sub-contractors work under your direction and typically use tools and materials you provide ‒ and are paid by you or through an employment agency.

Are Bona Fide Sub-contractors Treated as Employees?

Bona Fide sub-contractors are paid by the main contractor, but work under their own direction, provide their own materials and tools – and usually have their own public liability insurance in place.

What is Professional Indemnity Insurance?

Professional indemnity cover protects you and your business in the event of legal claims relating to advice you have provided and will cover the cost and expenses incurred in your defence.

What is Efficacy Cover?

Efficacy cover provides liability cover which protects you in the event of an injury to a third party or damage to their property, as a result of a product or service’s failure to perform its intended function. This may include failure due to a product fault or its installation, such as: - An alarm system. - A fire control or extinguishing system. - An electronic security system e.g. shutters, access gate, or CCTV cameras.

What is Contract Works Insurance?

Contract works insurance protects against damage to any property that is part of the permanent or temporary works being executed by you – that includes things like materials and other items supplied or used in connection with the contract.

What is Own and Hired in Plant Insurance?

Own plant and/or hired in plant cover is vital for any tradesmen who often use complex plant machinery and equipment at work. It either covers loss or damage to plant you own, or any legal liabilities resulting from loss or damage to plant you have hired in – for instance compensation due under any hire agreement.

*1 Cover may differ dependent upon insurer.

*2 As with most insurance – terms, conditions, and exclusions apply. You can request full details by simply contacting us.

 

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