This is an important question, while plumbers insurance is expensive it is so important for any self employed plumber, the reason is very simple, mistakes do happen, and the mistakes usually cost more to repair than the original contract.

Water has a habit of causing so much damage so having plumbers insurance really is so important for any plumber.

Plumber Insurance Example

What happens if you forget to put an important seal on a customers bathroom?

The obvious answer is there will be an escape of water, this will cause damage to the bathroom, the room below and decor.

What Happens If You Don’t Have Plumbers Insurance?

The customer, who blames you for what has happened, makes a claim against you through their solicitors. You then have to find your own solicitor to handle the customers complaints, you then would have to either settle out of court which could cost thousands, of course, you would not be able to do any of the work yourself to save laboutr costs.

You could fight in court but if you lose you  will be liable for higher costs which include your solicitor fees and the customers solicitor fees.

The price of a plumbers tradesman insurance policy is the fraction of the price that a small claim would cost you.

What Happens if You Have Plumbers Insurance?

The right decision is to have plumbers insurance, you would ring your insurance company and their loss adjuster would handle the claim for you.

You and your customer will sleep easier at night knowing the damage will be replaced with no extra cost to them or to you,