Public Liability Insurance for Plumbing and Heating Engineers

By the very nature of your profession as a plumbing and heating engineer, you interact with members of the public on a daily basis. You’re either working on jobs in customers’ homes or offices, or you’re working with other tradesmen on building sites.

Plumbers and heating engineers face daily risks with each job, some of which are not obvious when they quote for the work and only become apparent when the job starts. Regardless of this, the individual plumber or the company, is liable for any injuries or damages that occur.

Working with water, gas and flames can be risky as they can cause considerable damage to property as well as posing accident risks to members of the public.

As a result, it is important for you to ensure you hold adequate insurance in case something goes wrong.

What does public liability insurance cover?

Public Liability insurance (PL) is the most common type of insurance for trades professionals. The policy will provide cover for claims that a tradesperson has caused an accident that has injured someone, or claims they caused accidental damage to someone’s property that caused a financial loss.

Public Liability insurance provides cover for your business should a claim be made against you, for damage to a customers’ property, whilst working on a job. It will also cover you if you are alleged to have caused an accident to someone.

Typical examples could be:

You’re a plumber who is called out to a customer’s house to install new pipework. You accidentally cause a flood which damages the carpets in the customer’s home. As a result the customer makes a claim against you for the cleaning or replacement of the damaged carpets.

Excavations, welding and cutting can potentially cause injuries, to the plumber and passers-by, as well as potential damage to property. These risks, and more, are why public liability insurance is arguably viewed as the most important form of cover for plumbers and heating engineers.

How to arrange public liability insurance

GSI have partnered with trades insurance specialist Markel Direct who can offer you a quotation online in minutes.

Quick Online Quote from Markel Direct