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Plumbers insurance

Plumbers insurance

Business insurance for plumbing contractors made simple and hassle free

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QBE
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Any plumber will know the smallest mistake can have major consequences, particularly when it comes to water escaping into a building. Without the right liability insurance cover, you could be personally liable and financially responsible to rectify any mistakes made.

We all know accidents happen when you least expect, so we can arrange your plumbers’ insurance for you, to give you peace of mind.

Finding the right cover doesn’t need to be time-consuming. We’ve made it easy to compare contractor quotes online from a range of UK insurers, so you can get the cover you need in just a few minutes if you know what you need and don’t require advice.

However, if your plumber insurance needs are a little more complex and you need some advice, simply call to speak to our advisors and they’ll arrange your policy for you, as well as giving you all the support you need.

Being a plumber can take you here, there and everywhere, on a variety of different jobs. Whether it’s a small task or a larger project, ensuring you have plumbers insurance in place to protect you is crucial.

As careful as you may be, accidents do happen, and that’s why insurance for plumbers is an essential part of your business. Without plumbers insurance, you may be exposed to large financial losses that could impact the future of your business.

Compare & buy cover online

If you know the covers you require, it’s quick & easy to compare contractors & self-employed quotes from a selection of insurers on our website.

Get a quote

Request a call back

Unsure of your cover requirements or looking for insurance advice? We’ll call to arrange a new insurance quote at a time that’s convenient for you

Request a call back

Call us on: 0333 320 6009

Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm

Call: 0333 320 6009

Plumbers insurance cover in detail

What is plumbers insurance?

Plumbers insurance is made to cover the work that plumbing professionals carry out each day. You may be working alone, or hire people to help out; so whatever your needs, we can arrange the right plumbing and heating engineer insurance cover for you.

Here at Premierline, we’re committed to helping you find the right plumber insurance to protect your livelihood against the unexpected. We’ll source a variety of quotes to help you get the right cover at the right price, giving you peace of mind to focus on what really matters – your business.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Public liability insurance

Public liability cover as part of your plumbers’ insurance can safeguard your livelihood against unforeseen eventualities. For example, if you accidentally knocked over a vase at a customer’s home, this could be covered under your public liability insurance.

Contractor shaking hands with a customer outside a house, both smiling in a friendly, professional exchange.

Employers' liability for plumbers

If you employ people to help, whether on a full-time, part-time or labour-only basis, you will also need to take out an employers’ liability cover to protect your staff against injuries at work.

Engineer adjusting boiler component with a wrench in a tiled room, focused on task with visible internal mechanisms.

Personal accident cover

There are many other covers that you may wish to add to your plumbers’ insurance, so you can tailor the cover to your individual business requirements. As well as protecting others involved in your business, you may wish to consider personal accident cover to protect yourself against accidents at work. This would tide you over with a weekly benefit if you injured yourself at work meaning you were unable to trade.

A man with a crutch in his left arm is shaking hands with someone else in an office setting.

Property covers for plumbers

As a plumber, you’ll require a number of tools and specialist products to do your job effectively. If you have an office or storage or lock-up for your products and equipment you should also consider cover for your buildings, contents and equipment.

A close-up at the hands of a plumber using a wrench under a toilet sink.

Business interruption insurance

Business interruption insurance can protect you if you suffer damage at your premises resulting from an insured event. This means that if you had a fire at the premises meaning you were unable to trade, business interruption would cover your profit and fixed expenses including staff salaries to tide you over while you get back up and running.

Close-up of a “Sorry, We’re Closed” sign hanging on a glass door with a blurred indoor background.

Professional indemnity cover

Plumbers are often required to provide advice on equipment safety as well as design and specify heating installations for projects. If you provide a professional service, or advice to customers, professional indemnity insurance should be considered as an essential cover for your business.

Contractor sitting in the driver’s seat of a van, talking on the phone and looking over some paperwork.

Van and vehicle cover

A commercial vehicle or van could be a crucial part of your business; whether it’s for deliveries, tools, or even just getting to and from your customers on a daily basis, we understand the need for a quality cover that gives you peace of mind. Take a look at the business van insurance page to find out more about van insurance for plumbers.

A woman smiling while driving a bright yellow van on a sunny day.

Commercial legal protection

Commercial legal protection can often be included within your plumbers insurance to protect against legal action taken against you in relation to your business, as well as provide cover in case you need to pursue legal action against any other parties. The cost of tax and VAT investigations is typically included within this insurance policy as well as contract disputes, and much more. Some insurers will offer varying levels of legal protection meaning you can select the cover that is most suited to your organisation.

Four people seated at a table, reviewing documents in a professional office setting.

Contract works

If you’re taking on more complex work, then contract works cover could be more appropriate, which can cover the plant being installed as well as machinery and much more. If you’re unsure of what you need to protect your equipment give us a call. Our expert advisors are on hand to help you find the right cover for your business.

Worker installing underfloor heating in a spacious room with a skylight. The floor is covered with blue sheeting and pipes.

Tool covers for plumbers

Should you need it your tools and equipment can be included within your insurance policy to a level that meets your needs. Hand-held tools and power tools can be covered against loss or damage.

Blowtorch welding a copper pipe joint with a blue flame.

Plumbers insurance FAQs

Do I need plumbers insurance?

Protecting the people around you is essential and demonstrates care and inspires confidence amongst your customers. But there are other aspects of your business that are critical to your ability to work that you will need to consider protecting. Would you be able to continue to work if something happened to your tools? How would you cope financially if you had an accident at work?

We all know that accidents happen when you least expect them, but simple mistakes in your line of work can turn into costly claims. With Premierline, you can compare quotes from a panel of trusted insurers to get the right protection in a matter of minutes.

What covers do plumbers need?

At Premierline, we offer plumbers insurance that can be as simple or comprehensive as you require depending on your plumbing business. When thinking about what insurance and covers you need to protect your business and interests, you should consider the following:

  • Public liability – to cover you against unforeseen events that could leave you and your business exposed to financial loss.
  • Employers’ liability – to protect your employees against accidents at work and any damages awarded as a result.
  • Personal accident cover – to tide you over in the event that you injured yourself at work.
  • Tools & plant – to protect your tools, equipment, and plant.
  • Buildings cover – to cover for loss or damage to your business premises.
  • Contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Contract works – designed to cover work that’s underway on a construction site.
  • Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
  • Commercial vehicle cover – if you use a vehicle or a van for business.
  • Professional indemnity – can cover compensation for losses you are legally liable for if you make a mistake or give negligent advice.

More information

How much does plumbers insurance cost?

The price of plumbers insurance depends on a range of factors including the size of your business, and the level of cover that you need. Get a tailored quote online or contact one of our business insurance specialists to find out how much your plumbers insurance might cost to protect yourself and your business from unforeseen circumstances.

Why choose Premierline to arrange plumbers insurance?

We have many years of experience arranging plumbers insurance so we’ve really got to know the covers that different types of plumbers require. We are here to make sure that you have the covers you need to protect you against the risks you face on a daily basis.

You can protect your business online in just a few minutes if you know what protection you need or if you require some advice call us to get a personalised plumbers insurance quote today.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're contractor insurance experts

We understand the nature of running your business often leaves little time for much else. That's why we work closely with some of the UK's leading insurers to find cover that's right for you, making arranging insurance for your contracting business simple and hassle-free. We're committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • Award winning serviceWe're trusted by thousands of SMEs across the UK
  • Comprehensive protectionWe can help with all your commercial insurance needs
  • UK based expertsLocated in Lancaster, our advisors are here to help
person in office

Our customer reviews and testimonials

“Andy was great. He went to extreme lengths to sort my insurance needs. Hes a real asset to the company - so helpful and professional in his manner.”

Plumber

Customer since Customer since September 2025

Our independent customer reviews

Speak to a plumbers insurance expert

You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a plumbers insurance quote today.

Compare & buy cover online

If you know the covers you require, it’s quick & easy to compare contractors & self-employed quotes from a selection of insurers on our website.

Get a quote

Request a call back

Unsure of your cover requirements or looking for insurance advice? We’ll call to arrange a new insurance quote at a time that’s convenient for you

Request a call back

Call us on: 0333 320 6009

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm

Call: 0333 320 6009