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Plumbers public liability insurance
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What is plumbers public liability insurance?
If a plumber causes injury or property damage to a third party, there’s one essential form of coverage needed: public liability insurance. Plumbing activities can lead to various risks, like water leaks or breakages to fixtures and fittings. Plumbers public liability insurance covers potential legal fees and compensation costs, meaning financial protection is in place if an incident occurs.
From repairing burst pipes to installing complex plumbing systems, public liability insurance takes a weight off your shoulders. Don’t take the risk. Protection means you can operate securely and confidently while completing tasks for your clients.

What does plumbers public liability insurance cover?
A range of potential incidents are covered thanks to plumbers public liability insurance. It includes compensation for third-party injuries, such as if a client slips on a wet floor you created. It also covers property damage claims, such as damage caused by accidental flooding caused by a faulty installation.
Legal expenses are included if you need to defend against claims. Furthermore, the insurance covers damages resulting from equipment use, such as a dropped tool cracking a floor tile. This comprehensive coverage keeps you protected from financial burdens related to accidents, property damage, and liability claims when plumbing.

Importance of public liability insurance for plumbers
Financial protection
Accidents, like water damage or injury, can result in expensive claims. Public liability insurance means you don’t have to pay out-of-pocket, which safeguards your business finances.
Client confidence
Having insurance demonstrates both professionalism and responsibility. Clients are more likely to hire an insured plumber, knowing they are protected if anything goes wrong during the job.
Contract requirements
Many contracts or projects require proof of public liability insurance. Without it, you may lose out on valuable job opportunities – and limit your plumbing company’s overall growth potential.
Protection against unforeseen incidents
Accidents can always happen. Insurance covers unintentional mistakes or damage, allowing you to focus on your work without added worries about potential mishaps.
Legal compliance
It’s not legally required. However, this insurance is often necessary for regulatory purposes and recommended by industry bodies. It’s particularly important for plumbing projects with significant risk elements.
Peace of mind
Knowing you have plumbers insurance lets you work confidently. You can focus on delivering quality service without the fear of financial or legal repercussions from unforeseen incidents.
What additional coverage do you need?
Alongside public liability insurance, plumbers need to consider other crucial coverages. Employer’s liability insurance is legally required if you have staff, as it protects against claims for work-related injuries. Tools and equipment insurance covers the loss, theft, or damage of essential tools. Personal accident insurance also offers vital financial support if you’re injured on the job and unable to work.
By putting together different coverages, it guarantees comprehensive protection for your plumbing business.

Why choose Radius for plumbers insurance
Choosing Radius for your plumber’s liability insurance means gaining access to expert guidance and the best coverage for your needs. We work with a panel of 120 insurers that not only allows us to supply you with optimal coverage options but also ensures you’re paying competitive rates. Add in our 70+ years of industry experience, and you can be assured your insurance needs are fully covered.
Forget about comparing rates at different providers. Let Radius do the work for you so you get the insurance you need at the right price.

Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.
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UK Fuels, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.