Plumbers’ Insurance

Your tools are likely to be expensive and attractive to thieves. Tool insurance protects against theft and damage, so you won’t need to pay out for replacements.

Yes, if you have employees, employers' liability insurance is a legal requirement. It applies to almost all types of employees, including full-time, part-time, temporary, apprentices or volunteers.

You may want additional protection that is not included as standard. For example:

• Professional indemnity insurance - If you give out professional advice, such as plans for a water heating system, you could consider this, as clients may make a claim against you for negligence.
• Business equipment insurance -  If you store supplies and equipment and want to protect them from theft, this insurance can offer extra protection.

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 could 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.

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.