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Plumbers Insurance

Tailored trades liability insurance for plumbers from only £28.33 a month

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Cover for your business, staff, tools and equipment

Quick online quotes in less than 90 seconds

Rated 4.7 out of 5 by our customers on Feefo

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Caunce O’Hara tradesman insurance for self-employed plumbers offers comprehensive industry-specific cover for a range of risks faced daily by plumbing professionals.

Whether you’re fixing a leak in someone’s home or working on a plumbing contract in an office, our plumber’s insurance will protect you so you can focus on your job knowing you’re covered should something go wrong.

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What is plumbers insurance?

Plumbers insurance is designed to protect you against the unexpected, such as you accidentally damage a client’s property while completing a job or someone is injured during the course of your work. Plumbers insurance will protect your business against the legal costs and compensation payments that may be payable in the event of a claim made against you.


Why do plumbers need insurance?

No matter how much experience you have as a plumber, mistakes will occur and accidents will happen, usually when you least expect them. Plumbers insurance offers cover for many scenarios, such as you’re fixing a client’s heating system and ruined their carpet with a dirty water leak, or whilst working on a job, your apprentice sustains an injury requiring medical treatment which stops them from working for a few weeks.

Situations like these can lead to insurance claims against you, even if you feel you did nothing wrong.

Our plumbers insurance offers cover for your business against these unwanted scenarios and many others, providing you with the peace of mind if something does go wrong you’ll be covered.

Why choose Caunce O'Hara for your plumbers insurance?

As trades insurance experts, we're your number one choice for your business protection.

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Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

Golden star
I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
Trusted Customer
Golden star
Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
Trusted Customer
Golden star
Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
Trusted Customer

Frequently asked questions about builders insurance

Plumbers insurance provides cover for a range of instances, depending on the insurance policies that you hold, including:

Injury – You’re equipment and various lengths of piping and other materials are laid out on the floor ready for use. Your client accidentally trips over one of the items and sustains an injury trying to break their fall.

If you have employees, then you are also responsible for their wellbeing and safety. They could bang their head and be concussed whilst working in a confined space. These instances could leave you having to pay for medical costs, legal fees, and even loss of income if you’re not covered.

Property damage – You are installing pipes for a new heating system and spend the day walking in and out of the client’s home. As a result the carpets in the home sustain damage from dirty boots and trade materials. The client pursues you for the cost of having the carpet professionally cleaned.

Tools and trade materials theft or damage – While your tools are in your van parked outside a client’s home, your van is broken into and many of the tools essential to your job are stolen. This stops you from being able to complete the tasks you had planned to carry out that day. Buying replacement tools isn’t something you’ve budgeted for and replacing all of them at once could cause you a serious cashflow problem.

Caunce O’Hara are specialists for trades insurance. These are just a few of the reasons to choose us for your cover:

Quick online quotes

By completing our simple online quote form you can get a quote in as little as 90 seconds.

Affordable protection

We have always strived to provide value for money for our clients. Our pricing is fully transparent, meaning you won’t be charged any hidden or unnecessary fees.

Platinum rated customer service

Looking after our customers has always been at the top of Caunce O’Hara’s priorities, which is reflected in our positive Feefo feedback.

Over 25 years’ experience

We have been offering business insurance to self-employed professionals since 1995. As a result we understand the needs of self-employed business owners and freelance contractors, which enables us to provide the cover you need.

The cost of an annual premium varies depending on your type of cover and the level of cover you need. Our trades public liability insurance for builders starts from as little as £28.33 a month for £1million of annual public liability cover, which we think represents value for money.

As well as plumbers public liability insurance, we offer a range of insurance covers for your individual circumstances, including:

  • Personal accident insurance – covers you for accidents sustained in the course of your work and can pay a lump sum or regular payments to cover loss of earnings.
  • Employers’ liability insurance (EL) – is a legal requirement if you employ staff, with a minimum of £5 million of cover to protect your employees.
  • Tools insurance – available with our public liability insurance policy, provides cover from £1,000 to £5,000 for the replacement of your lost, damaged or stolen tools.
  • Good in transit insurance – provides cover for your goods against theft, loss or damage while they are being transported in your own vehicle, or on your behalf by a third-party carrier. The policy can cover theft of items whilst in transit; damage caused by an accident during transit; loss of items during transit; and damage caused to items during transit.
  • Plant insurance (PI) – we offer cover for both hired-in and owned plant equipment. Plant insurance can cover the costs incurred for ongoing lease hire for hired-in plant while the hired plant is being replaced, recovered or repaired, and can cover the cost of repairing or replacing owned plant following theft, loss or damage (accidental or malicious) to your equipment.
  • Contract works insurance – cover for costs incurred in having to re-do work that is part of a contract, including the cost of the tools, materials and the labour, should the existing work be destroyed by fire, flood, or theft.
  • Professional indemnity insurance (PI) – covers professionals who give advice, provide designs or other professional services to customers and covers allegations of negligent work.

The excess is the amount you pay towards a claim you make on your insurance policy. For example, if you make a claim for £1,000 for stolen tools and your excess is £200, then your payout will be £800.

Insurance policyLowest excessHighest excess
Public liability insurance£250£250
Employers’ liability insurance£0£0
Tools & trade materials cover (can only be purchased with the public liability policy)£250£250
Personal accident insurance£0£0
Professional indemnity insurance£250£500

Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ.

Contact us

Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today