If you work as a self-employed plumber you will need to make sure you're covered in case something goes wrong.
For example, if you were to spill your tea on some electrics, or have a customer trip over your ladder and injure themselves, then you need the insurance to cover any potential claims that might be pressed against you.
When people file charges against tradesmen such as plumbers and electricians, costs rise exponentially in a very short space of time.
Legal fees will need to be paid for, alongside the compensation for the third parties involved.
Charges can often raise to thousands of pounds, and if you don't have the insurance to cover this then you can get into serious legal problems.
The type of insurance that covers these events where third parties, or yourself, could get damaged is called Public Liability Insurance.
It covers you as a plumber working at a customer's residence against the following types of claim from third parties
This is because these working environments are deemed as high risk.
As a tradesman working in these types of places you will be putting yourself at much greater risk.
Working with asbestos is especially dangerous as the chances of doing the wrong thing, such as drilling into it and releasing dangerous fibers into the air, are very high.
It's always best to get insured for the maximum amount that you can safely afford.
£1million worth of public liability insurance may sound like a lot, but it actually isn't - and often that amount will only suffice for small single man operations.
When someone is filing a claim against you, costs mount up fast so having enough insurance is very important.
Another big plus for getting this insurance is that it can actually help you get business.
Being able to present your Public Liability Insurance certificate to potential customers will give them reassurance that you are fully covered for any unfortunate events that might occur.
On top of this, becoming Safe Contractor approved will also help you gain work with agencies.
The more health and safety endorsements, the more the customer will trust your integrity.
For example, if you were to spill your tea on some electrics, or have a customer trip over your ladder and injure themselves, then you need the insurance to cover any potential claims that might be pressed against you.
When people file charges against tradesmen such as plumbers and electricians, costs rise exponentially in a very short space of time.
Legal fees will need to be paid for, alongside the compensation for the third parties involved.
Charges can often raise to thousands of pounds, and if you don't have the insurance to cover this then you can get into serious legal problems.
The type of insurance that covers these events where third parties, or yourself, could get damaged is called Public Liability Insurance.
It covers you as a plumber working at a customer's residence against the following types of claim from third parties
- Accidental damage of property or possessions
- Injury or death of third-party
- Legal expenses arisen from health and safety legislation
This is because these working environments are deemed as high risk.
As a tradesman working in these types of places you will be putting yourself at much greater risk.
Working with asbestos is especially dangerous as the chances of doing the wrong thing, such as drilling into it and releasing dangerous fibers into the air, are very high.
It's always best to get insured for the maximum amount that you can safely afford.
£1million worth of public liability insurance may sound like a lot, but it actually isn't - and often that amount will only suffice for small single man operations.
When someone is filing a claim against you, costs mount up fast so having enough insurance is very important.
Another big plus for getting this insurance is that it can actually help you get business.
Being able to present your Public Liability Insurance certificate to potential customers will give them reassurance that you are fully covered for any unfortunate events that might occur.
On top of this, becoming Safe Contractor approved will also help you gain work with agencies.
The more health and safety endorsements, the more the customer will trust your integrity.
Source...