Insurance for Plumbers and Heating Engineers
As a plumbing and heating engineer, your job is considered as high risk. With each project you take on, you’re involved with potentially hazardous situations. You may be working at height on an unfinished building. You may be working in challenging conditions in a basement excavation. Or you may be working with gas and heat at a residential development, close to the other residences and the people living in them. Each situation can, potentially, expose you to personal or financial risk. When you work with Construction Insure, we’ll make sure that your risks are minimised and your financial liability is protected.
Why do you need Plumbing and Heating Liability insurance?
Public Liability covers you for any damage caused to third party property. So, it’s vital protection for you when you’re working on a client’s or contractor’s property or build. You need to be aware that it is essential that you declare all the activities you are undertaking. And, importantly, whether the work you’re doing is for residential or commercial premises. Bear in mind too, that any omissions or inaccuracies will mean the insurers will not pay your claim. Few plumbing and heating jobs are as straightforward as they first appear, or go as smoothly as you’d like them to. Insurance is about covering you for any possible problems and for unexpected complications. For instance, you may be using your own staff, or sub-contractors, on a construction site.
Employers Liability will cover you for any mishap that happens to your staff whilst they are working for you on site. Again, when you obtain an insurance quote you must declare the correct wage roll and the correct number of staff. Otherwise you will invalidate your policy.
If you are undertaking works for a large contractor, working as a subcontractor, having the correct levels of Public Liability and Employers Liability in place is a necessity, to not only cover yourself but also the building contractor.
It may sound complex, but don’t worry, whichever policy you need, it’s our job to work with you to find out the details of your project and ensure you’re fully covered.
Need Insurance? Get in touch today!
Whatever your plumbing and heating insurance requirements, please get in touch today for a free no obligation quotation.