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 don't put a washer on a customer's new boiler?
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 any damage to the property, the clients will then make a claim against your business through a legal solicitor or claim firm. You will then have to find your own solicitor to handle the clients disputes, this will be at a cost to you or your business.
You then would have to either settle the claim out of court which could cost you thousands of pounds , you would not be allowed to do the work yourself to save money on the labouring bill, and you would have to pay for an independent plumber.
You could fight in court but if you lose you will be liable for higher costs which include your solicitor fees and the clients solicitor fees.
The price of a plumber's tradesman insurance policy is the fraction of the price that a small claim would cost you.
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 easier at night knowing the damage will be repaired with no extra cost to them or to you.
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 don't put a washer on a customer's new boiler?
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 any damage to the property, the clients will then make a claim against your business through a legal solicitor or claim firm. You will then have to find your own solicitor to handle the clients disputes, this will be at a cost to you or your business.
You then would have to either settle the claim out of court which could cost you thousands of pounds , you would not be allowed to do the work yourself to save money on the labouring bill, and you would have to pay for an independent plumber.
You could fight in court but if you lose you will be liable for higher costs which include your solicitor fees and the clients solicitor fees.
The price of a plumber's tradesman insurance policy is the fraction of the price that a small claim would cost you.
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 easier at night knowing the damage will be repaired with no extra cost to them or to you.
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Learn more about plumber insurance. Stop by Kevin Hartley's site where you can find out all about plumber public liability insurance and how it can help you.
I have been looking for sites like this for a long time. Thank you!
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