Abbeystone Group
Abbeystone Group
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  • Home
  • About Us
  • Meet the Team
  • Charities
  • Heritage
  • Listed Building Insurance
  • Sports & Leisure Trusts
  • Real Estate
  • News
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  • Museum Insurance
  • Plumbing & Heating
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  • Faith Insurance
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Insurance for Plumbing, Heating and Gas Engineers

what cover does a PLumbing & Heating engineer require?

Public Liability

Professional Indemnity

Employers Liability

It  is vital to protect third parties, such as clients. As a contractor, you’ll probably spend a lot of time visiting client premises, which can leave you vulnerable should someone have an accident or injury as a result of the work you’re doing. 

Employers Liability

Professional Indemnity

Employers Liability

 Among the policies you will need is employers’ liability insurance, for both your permanent employees and relevant contractors. However, you must be aware of the differences between types of contractor, and ensure your policy covers all workers that require it. 

Professional Indemnity

Professional Indemnity

Professional Indemnity

 Professional Indemnity Insurance helps protect your business if someone makes a claim against you for making a mistake in a piece of work. Essentially, it covers the cost of defending your business should you be accused of professional negligence and helps uphold your professional reputation. 

Cyber Insurance

Office Insurance

Professional Indemnity

The Cyber threat is becoming more important for contractors every day. When you store personal data about your clients and projects on computers or the cloud, you’re vulnerable to threats from cyber-attacks and data risks. 

Office Insurance

Office Insurance

Office Insurance

  

It‘s worth taking out office insurance to cover your workplace contents and computer equipment. This covers you against loss of income or trading equipment. 

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Abbeystone Group

Adamson House, Towers Business Park, Wilmslow Road, Manchester

0161 669 0000

what insurance do i need as a contractor?

The legal requirements

Legally, you are required to have employers’ liability insurance if you employ anyone. That can include volunteers and part-time workers. However, you are not legally required to have public liability insurance.  


That may seem a little strange. After all, public liability insurance is one of the most important forms of insurance protection.  


It will cover you in the event that a third party or member of the public brings a claim against you or your business for damages or personal injury caused by your work.  


Successful claims can quickly add up to thousands or even hundreds of thousands of pounds. 

What are the contractual requirements?

Considering Liability

While public liability insurance may not be a legal requirement, it is nearly always a contractual requirement in the construction industry.  


Most reputable businesses will insist you have public liability insurance in place before they enter into a contract with you. You will also need to be able to show them a copy of your insurance certificate.  


If you had public liability insurance prior to the contract, and either didn’t renew it or cancelled it for some reason, that would put you in breach of contract.  

It would be reason enough for the client to withdraw from the contract. In a worst-case scenario, they might sue you for damages, due to you breaking the terms of the contract.  

How much public liability insurance do I need?

Cover for your needs

The amount of cover you need will often depend on multiple factors, including the type of work you undertake. 


That said, many larger companies in the construction industry, and most public sector organisations, will require you to have cover up to at least £5 million. 


This large figure represents the maximum your insurance company will pay out on a claim. Some companies including councils may require you to have up to £10 million in cover. 

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Office 1, First Floor 835 Wilmslow Road, Didsbury, Manchester, M20 5WD

0161 669 0000

Abbeystone is a trading style of Premier Insurance Services Limited. Registered UK company and regulated by the Financial Conduct Authority

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