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Plumbers Insurance

Whether you’re a business or sole trader, our plumbers insurance policy offers bespoke protection to cover the risks associated with plumbing works.

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As a plumber, you deal with emergencies every day, so it’s easy to forget about the help you may need in an emergency.

At Adler Fairways, we understand the risks you face in the plumbing trade, and our specialist team can tailor insurance covers to meet your unique needs. With the right insurance in place, you can focus on your work, knowing you have a safety net just in case the unexpected happens.

Plumbers insurance policy features*

  • The typical features include business property cover, employer liability, public liability with varying levels of indemnity, contract works to protect the materials you are using both on-site and in transit, and a 24-hour legal advice helpline
  • You can opt to extend cover to include your tools and plant
  • Typical exclusions would include hazardous locations, asbestos, theft of tools from unattended vehicles.
What is plumbers insurance?

From burst pipes causing property damage to potential injuries on-site, plumbers face various risks that could result in expensive compensation, repair or legal costs.

Plumbers insurance protects against all of these financial risks in a single policy, covering a range of liabilities while looking after your business operations in case the worst happens.

Do plumbers need insurance?

If you employ people, including contractors or temp workers, you’re legally required to have employers liability insurance.

While other types of insurance, such as public liability, are not legally required, they offer valuable protection for your business, clients, and the public against the potential consequences of accidents or risks that are inherent in plumbing work.

How much does plumbers insurance cost?

The cost of plumbing insurance depends on a range of factors, including the types of buildings you service, your required level of cover, your location and your claims history. As a broker, we can tailor your plumbers insurance policy to cover your requirements.

Do you provide HVAC insurance?

Our policies are bespoke to cover your exact business requirements, so if you also work in heating, ventilation, and air conditioning (HVAC), we can ensure that your needs are met with a comprehensive protection plan. You can find out more by viewing our HVAC contractors insurance page.

*This information is a general guide only.  Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs.  As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you.  We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

Words from our clients…

Shannonside Civil Engineering Ltd

"Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future." Shannonside Civil Engineering

John Hall, Director, West Midlands Fasteners

"Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them." West Midlands Fasteners

Faisal Ravat, Managing Director, E&S Motors Ltd

"We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade." E&S Motors

Frank Ryan, Director, Reirse Ryan Ltd

"We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand." Reirce Ryan

Gerald Doble, Director, G A Doble

"The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".

John Dyke, Central Scaffold Walsall Ltd

"As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession." Central Scaffold Walsall