What is public liability insurance for plumbers?

Public liability insurance covers you and your plumbing business against injury or property damage caused to third parties, including clients and members of the public. This includes injury or damage caused by the products you supply.

This type of insurance does not cover injury or damage to yourself and tools or materials you are about to use. For those things you will need additional insurance cover for plumbers.

Public liability cover for electricians starts from £1m  up to £10m and the amount of coverage you need depends on the environment you work in and what you are working with. The riskier the work the higher the premium you will have to pay.

 

Why do plumbers need public liability insurance?

Even the most experienced plumber will occasionally make a mistake or something unforseen will go wrong. Water damage, gas leaks and electrocution are just some of the reasons why you should take public liability insurance if you are a gas safe plumber. Customers sharing your workspace are at risk, and so is their property, so you need to make sure they know that you have them covered. 

Public liability insurance is not mandatory in the UK for plumbers but you might be taken to court by customers if your work has caused them to have an accident or you have damaged their property. This type of insurance will also help to pay for legal fees and damages. 

Reputable plumbing trade bodies in the UK will not register a new member unless they have the required public liability insurance. 

 

How much does public liability insurance cost for plumbers?

Public liability insurance for plumbers is relatively cheap, costing from as little as £6 a month depending on the amount of coverage you want to insure for (ie. £1m to £10m), the size of your business and the risk associated with your work. 

If you have secondary trades like building or electrical work the premium will probably be higher because you are using more tools and creating more risk. 

Insurance companies can offer plumbers “insurance bundles” which will also cover other types of insurance including:

  • Employers liability insurance - A legal requirement if you have employees
  • Tools and business equipment insurance - cover damaged, lost and stolen tools
  • Personal accident cover - Insure yourself or you employees against injury or death
  • Stock cover - insure your stock against theft and damage
  • Contract insurance - making sure you are covered in project based contract work where control is sometimes out of your hands.

 

Example of a public liability claim for a plumber

A plumber was called to a top floor flat to plumb in a washing machine using the cold water pipe for the bathroom while the owner was away on holiday.

A connector used to plumb into the cold water feed was incorrectly fitted and failed when the plumber left the property. The leak resulted in extensive flood of the top floor flat and two other flats below.

The resulting damage cost over £200,000 including legal fees. The plumber only paid the excess on his insurance policy.

How do plumbers get public liability insurance?

You can quickly protect your plumbing business and your homeowners from injury and damage by completing an online form to get instant quotes from UK insurers. You will be asked;

  • Are you trading as a plumber?
  • What are your secondary trades, if any?
  • What types of environments do you work in? 
  • Do you work in residential, commercial or both?
  • What part of the UK do you work in?
  • Are you a sole trader, partnership or Ltd? 
  • How many years experience do you have running a plumbing?

From this basic information our partners at Quotezone will be able to find the cheapest and most comprehensive public liability insurance quotes for electricians in your area. 

Get quotes

*The estimations provided on this webpage are independently provided by HaMuch Ltd. Prices are not guaranteed and quotes may vary when using the comparison system based on individual circumstances.


Estimates for common plumber jobs;

Job Estimate
Cost to fix a leak £240
Cost to unblock a clogged toilet £69
Cost to seal or re silicone a bath or shower £56
Cost to replace toilet float valve £41
Cost to replace a toilet £110
Cost to replace a bath £200
Cost to remove and refit a kitchen sink £110
Cost to replace kitchen mixer tap £151
Cost of public liability insurance for plumbers £6.00 per month
Cost to install or remove a dishwasher £70
Cost to install a washing machine £70
Cost to replace heating expansion header tank £134
Cost to fit a new bathroom basin £162
Cost to fit an outside garden tap £68
Cost to fit a water softener £110
Cost to fit a macerator £80
Cost to replace a cold water storage tank £130
Cost to fit a boiling water tap £70

Rates for other trades

Public liability insurance for plumbers estimated cost per month
Public liability insurance for plumbers approximate cost in the UK per month
Location in UKPublic liability insurance for plumbers cost
Public liability insurance for plumbers near Aberdeen£6.74
Public liability insurance for plumbers near Amber Valley£6.96
Public liability insurance for plumbers near Angus£6.67
Public liability insurance for plumbers near Arun£7.19
Public liability insurance for plumbers near Ashfield£6.89
Public liability insurance for plumbers near Aylesbury Vale£7.63
Public liability insurance for plumbers near Barnsley£6.59
Public liability insurance for plumbers near Basildon£7.33
Public liability insurance for plumbers near Basingstoke & Deane£8.00
Public liability insurance for plumbers near Bassetlaw£6.44
Public liability insurance for plumbers near Bath & North East Somerset£6.89
Public liability insurance for plumbers near Bedford£7.56
Public liability insurance for plumbers near Belfast£6.37
Public liability insurance for plumbers near Birmingham£6.89
Public liability insurance for plumbers near Blackburn£7.63
Public liability insurance for plumbers near Blackpool£6.59
Public liability insurance for plumbers near Bolton£7.33
Public liability insurance for plumbers near Bournemouth£7.11
Public liability insurance for plumbers near Bracknell Forest£8.07
Public liability insurance for plumbers near Bradford£7.04
Public liability insurance for plumbers near Braintree£7.26
Public liability insurance for plumbers near Breckland£6.15
Public liability insurance for plumbers near Bridgend£6.67
Public liability insurance for plumbers near Brighton£7.48
Public liability insurance for plumbers near Bristol£6.74
Public liability insurance for plumbers near Broadland£7.11
Public liability insurance for plumbers near Broxtowe£6.89
Public liability insurance for plumbers near Bury£7.33
Public liability insurance for plumbers near Caerphilly£6.44
Public liability insurance for plumbers near Calderdale£6.96
Public liability insurance for plumbers near Cambridge£7.19
Public liability insurance for plumbers near Canterbury£7.26
Public liability insurance for plumbers near Cardiff£6.52
Public liability insurance for plumbers near Carmarthenshire£6.07
Public liability insurance for plumbers near Charnwood£6.74
Public liability insurance for plumbers near Chelmsford£7.26
Public liability insurance for plumbers near Cheltenham£7.19
Public liability insurance for plumbers near Cherwell£7.26
Public liability insurance for plumbers near Chester£6.67
Public liability insurance for plumbers near Colchester£7.26
Public liability insurance for plumbers near Conway£6.30
Public liability insurance for plumbers near Coventry£6.81
Public liability insurance for plumbers near Crewe & Nantwich£6.59
Public liability insurance for plumbers near Dacorum£7.78
Public liability insurance for plumbers near Derby£6.81
Public liability insurance for plumbers near Doncaster£6.52
Public liability insurance for plumbers near Dover£7.26
Public liability insurance for plumbers near Dudley£6.96
Public liability insurance for plumbers near Dumfries & Galloway£6.59
Public liability insurance for plumbers near Dundee£6.96
Public liability insurance for plumbers near East Ayrshire£7.04
Public liability insurance for plumbers near East Devon£6.44
Public liability insurance for plumbers near East Dunbartonshire£6.89
Public liability insurance for plumbers near East Hampshire£7.11
Public liability insurance for plumbers near East Hertfordshire£7.70
Public liability insurance for plumbers near East Lindsey£6.59
Public liability insurance for plumbers near East Riding£6.74
Public liability insurance for plumbers near Eastleigh£7.11
Public liability insurance for plumbers near Edinburgh£6.96
Public liability insurance for plumbers near Elmbridge£8.07
Public liability insurance for plumbers near Epping Forest£8.07
Public liability insurance for plumbers near Erewash£6.89
Public liability insurance for plumbers near Exeter£6.67
Public liability insurance for plumbers near Falkirk£6.89
Public liability insurance for plumbers near Fife£6.81
Public liability insurance for plumbers near Flintshire£6.67
Public liability insurance for plumbers near Gateshead£6.89
Public liability insurance for plumbers near Gedling£6.89
Public liability insurance for plumbers near Glasgow£6.89
Public liability insurance for plumbers near Gloucester£9.04
Public liability insurance for plumbers near Guildford£8.15
Public liability insurance for plumbers near Gwynedd£6.22
Public liability insurance for plumbers near Halton£6.74
Public liability insurance for plumbers near Harrogate£6.59
Public liability insurance for plumbers near Havant & Waterloo£6.96
Public liability insurance for plumbers near Highland£6.96
Public liability insurance for plumbers near Horsham£7.70
Public liability insurance for plumbers near Huntingdonshire£7.11
Public liability insurance for plumbers near Ipswich£8.44
Public liability insurance for plumbers near Isle of Wight£6.89
Public liability insurance for plumbers near Kings Lynn & West Norfolk£6.44
Public liability insurance for plumbers near Kingston-upon-Hull£6.74
Public liability insurance for plumbers near Kirklees£7.11
Public liability insurance for plumbers near Knowsley£6.67
Public liability insurance for plumbers near Lancaster£6.81
Public liability insurance for plumbers near Leeds£7.11
Public liability insurance for plumbers near Leicester£6.67
Public liability insurance for plumbers near Lisburn£6.44
Public liability insurance for plumbers near Liverpool£6.67
Public liability insurance for plumbers near London£8.07
Public liability insurance for plumbers near Luton£7.78
Public liability insurance for plumbers near Macclesfield£6.59
Public liability insurance for plumbers near Maidstone£7.19
Public liability insurance for plumbers near Manchester£6.81
Public liability insurance for plumbers near Mid Bedfordshire£7.56
Public liability insurance for plumbers near Mid Sussex£7.70
Public liability insurance for plumbers near Middlesbrough£6.89
Public liability insurance for plumbers near Milton Keynes£7.48
Public liability insurance for plumbers near Neath Port Talbot£6.67
Public liability insurance for plumbers near New Forest£7.04
Public liability insurance for plumbers near Newbury£8.15
Public liability insurance for plumbers near Newcastle-under-Lyme£6.52
Public liability insurance for plumbers near Newcastle-upon-Tyne£6.89
Public liability insurance for plumbers near Newport£6.52
Public liability insurance for plumbers near North Ayrshire£6.81
Public liability insurance for plumbers near North East Lincolnshire£6.67
Public liability insurance for plumbers near North Hertfordshire£7.70
Public liability insurance for plumbers near North Lanarkshire£6.89
Public liability insurance for plumbers near North Lincolnshire£6.67
Public liability insurance for plumbers near North Somerset£6.74
Public liability insurance for plumbers near North Tyneside£6.89
Public liability insurance for plumbers near North Wiltshire£7.41
Public liability insurance for plumbers near Northampton£7.41
Public liability insurance for plumbers near Norwich£6.96
Public liability insurance for plumbers near Nottingham£6.81
Public liability insurance for plumbers near Nuneaton & Bedworth£6.74
Public liability insurance for plumbers near Oldham£6.81
Public liability insurance for plumbers near Oxford£7.48
Public liability insurance for plumbers near Pembrokeshire£6.00
Public liability insurance for plumbers near Perth & Kinross£6.89
Public liability insurance for plumbers near Peterborough£6.74
Public liability insurance for plumbers near Plymouth£6.30
Public liability insurance for plumbers near Poole£7.19
Public liability insurance for plumbers near Portsmouth£6.89
Public liability insurance for plumbers near Powys£7.11
Public liability insurance for plumbers near Preston£7.85
Public liability insurance for plumbers near Reading£8.00
Public liability insurance for plumbers near Redcar & Cleveland£6.96
Public liability insurance for plumbers near Reigate & Banstead£8.15
Public liability insurance for plumbers near Renfrewshire£6.81
Public liability insurance for plumbers near Rhondda, Cynon, Taff£6.52
Public liability insurance for plumbers near Rochdale£6.81
Public liability insurance for plumbers near Rochester-upon-Medway£7.33
Public liability insurance for plumbers near Rotherham£6.52
Public liability insurance for plumbers near Salford£6.81
Public liability insurance for plumbers near Salisbury£7.04
Public liability insurance for plumbers near Sandwell£6.96
Public liability insurance for plumbers near Scarborough£6.37
Public liability insurance for plumbers near Scottish Borders£7.56
Public liability insurance for plumbers near Sefton£6.59
Public liability insurance for plumbers near Sevenoaks£7.78
Public liability insurance for plumbers near Sheffield£6.59
Public liability insurance for plumbers near Slough£7.85
Public liability insurance for plumbers near Solihull£6.89
Public liability insurance for plumbers near South Ayrshire£6.81
Public liability insurance for plumbers near South Bedfordshire£7.56
Public liability insurance for plumbers near South Cambridgeshire£7.33
Public liability insurance for plumbers near South Gloucestershire£6.81
Public liability insurance for plumbers near South Kesteven£6.89
Public liability insurance for plumbers near South Lanarkshire£6.89
Public liability insurance for plumbers near South Oxfordshire£7.56
Public liability insurance for plumbers near South Somerset£6.30
Public liability insurance for plumbers near South Tyneside£6.89
Public liability insurance for plumbers near Southampton£7.04
Public liability insurance for plumbers near Southend-on-Sea£7.19
Public liability insurance for plumbers near St Albans£7.85
Public liability insurance for plumbers near St Helens£6.74
Public liability insurance for plumbers near Stafford£7.04
Public liability insurance for plumbers near Stockport£6.81
Public liability insurance for plumbers near Stockton-on-Tees£6.89
Public liability insurance for plumbers near Stoke-on-Trent£6.52
Public liability insurance for plumbers near Stratford-on-Avon£7.41
Public liability insurance for plumbers near Stroud£7.04
Public liability insurance for plumbers near Suffolk Coastal£8.67
Public liability insurance for plumbers near Sunderland£6.89
Public liability insurance for plumbers near Swale£7.26
Public liability insurance for plumbers near Swansea£6.59
Public liability insurance for plumbers near Tameside£6.81
Public liability insurance for plumbers near Teignbridge£6.74
Public liability insurance for plumbers near Tendring£8.22
Public liability insurance for plumbers near Test Valley£7.04
Public liability insurance for plumbers near Thamesdown£7.93
Public liability insurance for plumbers near Thanet£7.11
Public liability insurance for plumbers near The Wrekin£10.00
Public liability insurance for plumbers near Thurrock£7.41
Public liability insurance for plumbers near Torbay£6.89
Public liability insurance for plumbers near Trafford£6.89
Public liability insurance for plumbers near Vale of Glamorgan£6.74
Public liability insurance for plumbers near Vale of White Horse£7.63
Public liability insurance for plumbers near Vale Royal£6.89
Public liability insurance for plumbers near Wakefield£7.04
Public liability insurance for plumbers near Walsall£6.89
Public liability insurance for plumbers near Warrington£6.81
Public liability insurance for plumbers near Warwick£6.96
Public liability insurance for plumbers near Waveney£7.11
Public liability insurance for plumbers near Waverley£7.93
Public liability insurance for plumbers near Wealden£7.48
Public liability insurance for plumbers near West Lancashire£6.67
Public liability insurance for plumbers near West Lothian£7.11
Public liability insurance for plumbers near West Wiltshire£7.41
Public liability insurance for plumbers near Wigan£6.81
Public liability insurance for plumbers near Windsor & Maidenhead£7.85
Public liability insurance for plumbers near Wirral£6.67
Public liability insurance for plumbers near Wokingham£8.15
Public liability insurance for plumbers near Wolverhampton£6.96
Public liability insurance for plumbers near Wrexham Maelor£6.81
Public liability insurance for plumbers near Wychavon£7.04
Public liability insurance for plumbers near Wycombe£8.00
Public liability insurance for plumbers near York£6.67