Plumbers Insurance
Working as a plumber you need to think about a specific set of insurance matters. However, the business of covering yourself effectively is not generally a complicated one. Taking the time to make sound decisions on insurance is a great way to put your business on the right tracks for security.
In many cases, plumbers operate on their own as self-employed workers. However, if you do happen to employ anyone, whatever their role is, this does make you legally an employer. Employers’ liability insurance is mandatory for all employers, so it’s essential to get this sorted if you do employ a team of one or more.
You’ll no doubt have to transport your plumbing equipment and materials around with you somehow. Any vans, cars or other vehicles you use have to be covered by motor insurance, again this being a legal requirement.
The good news is that the other types of insurance are optional. However, you may be glad to have opted for an extensive package if the worst happens at some point in the future. Buildings and contents insurance is particularly relevant if you operate out of a business premises. Whether you use this or not, it’s advisable to make sure you’ve covered your plumbing equipment, tools and any machinery in some way.
The consequences when plumbing work goes wrong can be serious. This is why public liability insurance can be a very valuable option for plumbers, for if someone’s property is damaged following plumbing work, you could find yourself in a costly legal situation.
