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Plumbers’ Insurance
Compare plumbers’ insurance
Business insurance for plumbers from 23p a day*
Protect against claims made by clients or employees
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Compare plumbers' insurance
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Bionic specialises in business insurance for small businesses, sole traders and partnerships
Get tailored cover to protect against claims from customers and the public
Get the protection you need with no needless extras
What is...
plumbers’ insurance?
Working with water systems and pipes in client’s homes comes with risk. You might accidentally damage a customer’s home causing damage. A subcontractor might injure themselves while working for you.
If you employ anyone, you have to have employers' liability insurance. There are endless possibilities in the plumbing business. That’s why it’s best to have your back covered should the worst ever happen.
Plumbers' insurance can help protect against unforeseen events and provides peace of mind so you can focus on what’s most important — your business and your customers.
Why is plumbers insurance important?
Because plumbers work in homes, businesses and other people’s property, there is a risk of damage. Having public liability insurance should be considered as part of your insurance as it helps protect you against accidents that may arise on the job. For example:
- You could accidentally break a pipe in a client’s property
- You could fall from a height, injuring yourself, employees or a member of the public
Some clients may insist on having the right insurance before starting a job so it’s essential for securing new trade.
Who is covered by plumber insurance?
We can offer traditional plumbers who work with water systems, but we can also cover you if you offer the following:
- Gas fitting services
- Heating services
- Ventilation services
What type of insurance can plumbers get?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Public liability insurance
In case you injure someone or damage something while providing your services.
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Tool or machinery insurance
Protects against the cost of damaged, lost or stolen equipment.
Personal accident cover
Financial compensation in the event of a personal injury as a result of your work.
How much does plumber insurance cost?
Plumber insurance could cost from 23p a day*
Your actual price for plumber insurance depends on your requirements. This is because your business is unique, and prices depend on a number of factors, including:
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies will vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a previous claim on your policy or had claims made against you, it may affect your future premiums.
Start a quote online and get in touch today to find out how much you are likely to pay.
*This price is for a trades and professions policy – 10% of customers who were sold with one of our panel providers paid £84.20 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £7.02 a month or £0.23 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary based on your business requirements.
Get Plumber's Insurance sorted with Bionic
At Bionic, we celebrate UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to help you find you the right cover.
Our UK-based team helps business owners daily to compare business insurance quotes to find the right insurer that fits. Start a quote online.
When pipes burst and repairs go wrong, plumbers need more than a wrench. The right insurance can shield your business from problems, legal claims, and more.
Insurance Director, James Barwell
How Bionic business insurance comparison works
Compare insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and through any questions with our team.
What do I need to get started?
You only need a few details to get started with getting a business insurance quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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