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Business Insurance For Tradesmen & Contractors

We can help you wether you are a roofer, a Residential, commercial or industrial plumber or a  you face a particular set of challenges and risks. Both one-man-bands and construction companies need correct business insurance policies to back them up if something goes wrong.

We all know that accidents happen,
Lets get peace of mind that your are covered correctly and competitively going forward.

Working in plumbing and heating comes with its own unique set of risks. As a contractor or engineer in the plumbing and heating trade, you know that every new job brings with it the possibility of accidents – and possibly with some pretty severe consequences if you aren’t careful. But unfortunately, no matter how careful you are, sometimes accidents just have a way of finding you. For your own peace of mind, it’s important to have the right insurance in place, to ensure you are protected in the event the worst does happen.

we want to help you protect your business from all those little accidents in your path. Our trade-specific insurance policy for plumbing and heating contractors has been designed with your needs at the forefront, to make sure you get exactly what you need to keep your business safe. Customise with our online quote form and get insurance that works as hard as you do.

Design & Build Your Policy

When you’re putting together your trade or construction insurance policy, your core cover is going to be public liability insurance. It covers you if anyone claims compensation from your business because they’ve been injured or their property’s been damaged. For example if you leave your tools out while you’re working at a customer’s house and they trip over them and suffer an injury, or if you’re working on site and accidentally drop a brick that damages a car parked below, you could face a compensation claim. In these scenarios your public liability insurance could pay the legal fees and compensation costs, up to the limit of your policy.
We offer up to £10 million of cover.

  • Work on Industrial / Commercial and Domestic Premises
  • Certification / Professional Indemnity Cover – Protecting you when you issue Gas Safe Certificates, Energy Efficiency Certificates etc.
  • Use Of Heat Equipment Onsite Including where required Oxy-Acetylene Equipment
  • Financial Losses – Loss of Business Claims
  • Cover for Tools and Equipment Including Theft from Vehicles Overnight and Non Ferrous Metals Stolen From Site.

Our Experience & Relationships

Money Corner Shop is a proud member of the Purple Partnership – Who have been voted the Best Broker Network in the UK – 3 times in the last 4 years – Which means many insurers provide exclusive deals for us, with competitive pricing and enhanced policy cover. MoneyCornershop.com has been working with small-and medium-sized enterprises all across the UK, so we understand that each individual business has its own unique risks and challenges. Our knowledgeable customer service team has the skills and expertise to put together a flexible policy that fits your specific requirements, and has the ability to develop and grow along with your business.

When this is combined with the great service our team provides, you can see why people choose to let us arrange their insurance.

We have over 50 years collective experience and relationships with underwriting specialists which have the capacity and understanding of the industry to write and place any risk.

Manage The Pressures
& Your Insurance Premiums

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What Insurance Does Your Business Need?

The insurance you need will depend on your specific type of business and the individual risks it faces, but these are popular covers for Plumbers

Some of these covers may not be included on policies so make sure to communicate any required covers to our team of experts:There are a number of extensions we can include within our Public and Products Liability Insurance which many policies do not include:

  • Defective Workmanship– provides cover for damage or injury caused as a result of your faulty workmanship (but not the damage to the part which was supplied or worked on).
  • Financial loss– provides cover for pecuniary losses or expenses sustained by a third party as a result of a defect or unsuitability of works, which do not cause bodily injury or property damage
  • Efficacy– provides cover for loss or damage to property arising from the failure of a service or product due to its inability to fulfil its intended function e.g. failure of air conditioning or refrigeration units at a data centre retail distribution centre.  Efficacy cover is particularly important for the HVAC industry.

Employers’ Liability Insurance covers you for liability arising from employees who sustain an injury or illness during the course of their employment with you. It is a legal requirement for all employers within the UK to hold this cover and the minimum statutory limit is £5,000,000 however most insurers provide £10,000,000 as standard

You may need Employers’ Liability Insurance for someone who works for you if:

  • You deduct national insurance and income tax from the money you pay them
  • You have the right to control where and when they work and how they do it
  • You supply their work materials and equipment
  • Your contract states that you are responsible for their actions and supervision of such

Contract works insurance covers work in the course of construction before it is handed over to the principal or employer on practical completion. It can pay to repair or to redo the work that is in progress if it’s damaged by an insured event like fire, flood, storm, vandalism or theft and includes both the permanent and temporary works.

 

Construction Professional Indemnity Insurance also known as Design and Construct Professional Indemnity, protects contractors and sub contracted specialists (such as ventilation or refrigeration engineers) for allegations relating to errors in their work or incorrect design.

We can also cater for Hired In Plant, Own Plant, Tools and Commercial Fleet Insurance.

Need an insurance quote? Then please contact us today – we will be only pleased to help!

Public Liability Insurance For Plumbers

Our clients include heating engineers (whether working at private homes or as subcontractor to the principal on housing developments), specialist air conditioning engineers carrying out design activities and those working in/on high risk locations including data centres, manufacturing plants and industrial boilers.

Although as a plumbing and heating contractor you have to make sure you and your business are protected in case a claim arises as a result of injury to members of the public, damage to your client’s property and illness/injury of your labour force, it does not have to be complicated.

We are a specialist liability insurance broker who can quickly and painlessly provide you with terms from the leading insurers to enable you to make an informed decision on your insurance policy. We are here to discuss your requirements and provide a tailored quote which will ensure that your business has the correct cover at a competitive price.

Need more details? Hear more about your business cover options from our expert team. Just choose the cover you’re interested in and get some expert insight into how each option can help your business.

Don’t be Fooled : Protect Your Tools

You can also cover your tools in case they’re stolen or damaged by buying tools insurance, and you can add buildings insurance if you have a business premises. Don’t forget that employers’ liability insurance is usually a must-have if you’ve got any employees and add on buildings insurance if you have a business premises.

What Type Of Tradesman Are You?

We provide tailored insurance for most types of tradespeople, such as:

  • Builder insurance
  • Carpenter insurance
  • Electrician insurance
  • Plumber insurance

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Why Join Moneycornershop.com?

  • Join a huge network of happy customers
  • Online quotes, in under 10 minutes
  • Claims managed by individual insurers
  • Experienced business insurance experts
  • We can help you save on your business utilities
  • We can help you raise finance for your busines