If it’s only you, then employee’s liability insurance is not needed. But, if you bring anyone else on the job, including staff or even apprentices, then you’ll need to take out employers’ liability insurance. If you don’t, you’ll be breaking the law.  

Although not a legal requirement, as a sub-contractor you should consider taking out public liability insurance, even if you’re working for someone else - you could still be liable if something were to happen as a result of your work. 

You need the following information when starting a quote online with us at Bionic:  

• Business Name 
• Policy Start Date 
• Full name of business owner 
• Phone number 
• Email 

Because plumbers’ insurance is unique to your business, our knowledgeable agents are on hand to help with specific questions to ensure you get sufficient cover. When speaking to our agents and arranging new insurance, you should provide further business details like turnover and wages. Find out more in our guide to submitting accurate business information for insurance. 

Yes, if your business changes in any way you should inform your broker and/or insurer and they will adjust your policy to reflect business changes. If you don’t inform them, you risk being underinsured and potentially unprotected.