Public Liability Insurance
Public Liability is not legally mandatory, but it is one of the most important insurance policies a business in the plumbing sector can undertake. Also referred to as PL Insurance, the policy covers businesses for claims against them relating to illness, injury and third party property damage. It should also be noted that some large commercial projects will contractually oblige a business to seek out Public Liability Insurance.
Employers’ Liability Insurance
Any employees a plumber hires, whether it be an apprentice, part time employee or full time worker, means they have to take out employer Insurance. In fact, a minimum coverage of £5m is legally required for all businesses with a workforce in the sector, although most Employer Liability policies cover up to £10m as standard in practice as a matter of course. The policy should cover illness and injury suffered by an employee that the business is liable for, as well as any damage to their property.