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Public Liability insurance

Discuss Public Liability insurance at UK Plumbers Forums; Hi All, First post here! I was wondering what everybody pays for public liability insurance? And who do you recommend? At the moment i am with courtprice insuarance and the ...
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    Default Public Liability insurance

    Hi All,

    First post here!
    I was wondering what everybody pays for public liability insurance?
    And who do you recommend?
    At the moment i am with courtprice insuarance and the renewal has just come in at £435 for me and a second year apprentice, its cheaper than last year (£576) any comments welcome.

    I do domemstic work ie bathrooms general plumbing but no gas work there is only me and my second year appprentice and i have never claimed!!!

    Regards
    Danny

    UPDATE Nov 2016: http://www.electriciansforums.co.uk/...ectricians.40/

    We've teamed up with an insurance firm to get you some discounted insurance!
    Last edited by Dan; 15-11-2016 at 12:45 PM.

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    Default Re: Public Liability insurance

    hi and welcome,

    how long have you been a plumber and what qualifications do you have?
    this could make a difference.

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    Default Re: Public Liability insurance

    18 years,
    city & Guilds craft and advanced
    Member of the CIPHE
    WIAPS approved
    Last edited by danny848; 26-06-2009 at 10:56 PM.

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    Default Re: Public Liability insurance

    I think with insurance it's not what you pay it's what it covers you for, amount of excess required if need to claim. Alway read the small print in detail you need ti fully understand it. Are you covered for tiling? Does it cover you for using a blow torch LOL some dont unless you request it.

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    bcp
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    Default Re: Public Liability insurance

    About £200 for basic level. But it does mean basic cover albeit up to £1,000,000 worth of cover and that price should be for a 'beginner'.

    Danny - PM me and I'll give you a number
    Last edited by bcp; 26-06-2009 at 11:56 PM. Reason: Automerged Doublepost

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    Default Re: Public Liability insurance

    thats cheap, mines £325, they proberby heard of me tho.
    who do you sujest bcp?.

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    Default Re: Public Liability insurance

    Thats way to cheap, mine is £600, but only under close scrutiny there where cheaper but didnt cover what I wanted.

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    Default Re: Public Liability insurance

    'too' cheap isn't right. It's what you want to be covered for. For example (and it's NOT who I am with) I checked out Direct Line. Their quote was comparable to my mob, BUT if paying by instalments, it ramped it up too high. My mob wont do instalments but are the cheapest and best for me coz of what I do (or don't do).

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    Default Re: Public Liability insurance

    As far I was made aware, public liability covers you for using oxy-acetylene bottles. As lead burning, brazing and so on, are still considered to be part of a Plumbers work whether you actually use them or not.

    Be interesting to find out if it's still the same. Incidentally most places will not touch you without PLI if your self employed and some want you PLC as well, as they are reluctant to sue a purely self employed person if things go wrong.

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    Default Re: Public Liability insurance

    Exactly John, I like to read the small print.

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    Default Re: Public Liability insurance

    hmm, as im starting to take on more private work i need public liability. From quick quotes online i found it at about £400, also work at heights is extra on premium. Can it extend to cover tools, because that is what i was told by the chap who sold me my van insurance when i asked him if it would cover tools in my van.

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    Default Re: Public Liability insurance

    Yer tools can be covered but read the policy, working at heights be careful. even when hiring ladders towers are they designed to work from are you recognised as competant to put a tower up.

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