This is a very important question, while plumbers public liability insurance is expensive it is very important for any self employed plumber, the reason is very simple, mistakes sometimes happen, and the mistakes usually cost more to repair than the original deal with the client.
Leaking water has a habit of causing so much damage so having plumbers public liability cover really is so important for any plumber or tradesmen when working on a clients house.
What happens if you forget to put an important washer on a customer’s new radiators?
What happens if you dont put a seal or washer on a customer’s new bathroom sink?
The obvious answer is there will be an escape of water, this will cause damage to any bathroom, and the room below will be damaged and that rooms decor. Either the wall paper will peel or the paint will run.
The client will blame you for the damage, they will then makes a claim against your business through a legal solicitor. You will then have to find your own solicitor to handle the clients issues, this will be at a cost to you.
You then would have to either settle out of court which could cost you thousands, of course, you would not be able to do any of the work yourself to save labour costs, and would have to pay for an independent contractor.
You could argue in court but if you lose you will be liable for higher court costs which include your solicitor fees and your clients solicitor fees.
The cost of plumber’s public liability insurance cover is a small amount of the price that a court claim would cost.
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 client will sleep better at night knowing the damage will be repaired with no extra cost to them or to you.
Want to find out more about plumber insurance, then visit Kevin Hartley’s site on how to choose the best plumber public liability insurance for your needs.
