Plumbers insurance

Your trade comes with unique risks, from the equipment you use to the people you have on a job. We offer tailored plumbers insurance to hundreds of plumbers every year. Whether it’s a public liability case or equipment theft, Clear Insurance Ireland has got you covered.

Our policies provide protection from big claims for third party injury or property damage including allegations made against you
public liability limits of cover for plumbers beginning at €2,600,000 worth of cover up to the industry standard levels of €6,500,000
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The policy we design for you will cover property damage or injuries to the public as a result of your activities. Many plumbers insurance policies include employers’ liability cover – providing cover for employees, full time or part time of the business – cover can be extended to include your own personal accident insurance and protection for your tools and equipment.

Typically prices begin for sole trader plumbers (excluding roofing cover) at circa €550.00 *
Prices are subject to individual quotation & underwriting details and customers own trading and claims history.

* You are required to check that all bona-fide sub contractors employed hold their own employers and public liability insurance appropriate to the work being carried out.

Public liability cover is in case someone is injured or their property gets damaged, because of your plumbing business.

We recommend that plumbers should have several types of insurance, including liability insurance, employers liability insurance, and equipment and tools insurance. Liability insurance protects against damage or injury caused to customers or their property during plumbing work. Employers liability insurance covers employees in the event of an on-the-job injury. Equipment and tools insurance protects against theft or damage to tools and equipment used in the course of plumbing work.

The process for claiming plumbers insurance varies depending on the type of insurance and the insurance company. For example, if you have liability insurance and a customer files a claim against you for damage or injury, you would need to notify your insurance company and provide any necessary documentation or evidence. Your insurance company would then investigate the claim and determine whether to provide coverage. If you have questions about how to claim your plumber’s insurance, you should contact your insurance provider for guidance.

Plumbers may benefit from having public liability insurance, which protects against claims of professional negligence or mistakes which would otherwise have to be met from your personal cash or asset reserves. This type of insurance can provide coverage in the event that a customer sues you for damages resulting from an error or mistake made during plumbing work. While it is not required by law, public liability insurance can provide important protection and peace of mind for plumbers.

Claims against your business for:

Damage to someone’s property, caused by your work injuries caused by your business activities accidental damage or injury caused by your employees, if you have any If you do employ anyone either formally or casually, we recommend that you should consider having employers’ liability insurance too.

For example:
You damage a customer’s existing property whilst installing or building an item on site.
While working on a client’s extension you injury someone, or someone falls over your tools or equipment.

Employers’ liability insurance whilst not a legal requirement in Ireland would be important if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance could protect you from being personally liable for injury in the event of a claim.

Loss, damage or theft of your hand tools, power tools and specialist plumbing equipment

For example:
Someone breaks into your locked garage overnight, stealing €2,000 worth of tools and equipment