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Plumbing & Heating
Insurance built for Plumbing, Heating and Gas Engineers.
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Why should you choose Abbeystone?
Getting a quote is just the start, what happens in the event of a claim?
This is where our experienced team stand out and will be available at all times to assist you and your team.
We are not a call centre and you will know at all times who you are dealing with.
What cover does a Plumbing & Heating engineer require?
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.
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 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.
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.
Also referred to as Contract Works Insurance or Construction Insurance, is a non-standard insurance policy that provides coverage for accidental physical loss or damage that occurs to a property insured during the construction period
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.
Expert advice. Tailored protection.
Insurance that’s built around you
Speak to our experienced team today for tailored advice and a solution built around your needs.
Exceptional service, great communication and very price competitive. Thank you #TeamAbbeystone for your support…
Dave Skeels
Outstanding service levels! Managed to organise a group insurance policy when others couldn’t
Ross Parker
Always on hand to help and support provides PI insurance for me at very short notice (and a great price)!! Thank you!
Irfan Chishti
Fantastic brokers! Highly recommend!!!!
Natalia Dier
Fantastic customer service, courteous, informed & professional throughout. Highly recommended.
Rachael Wallace-Lapper
This is the first time I have used Abbeystone. I found James professional, understanding and most helpful in concluding our matter
Brian Nunn
Asif Khan provided an understanding of our complicated arrangement and a subsequent efficient service.
Owen Travis
Asif and his team provide a very efficient, fast and friendly service for our charity. I would recommend
James Crowley
Great Service from Niamh renewed both our business polices with minimum fuss and at competitive levels.
bootbag group
Had great service from James Munnelly who put together everything needed to facilitate a smooth transfer away from our previous provider and persevered when a few small challenges raised their head. Can recommend.
Anthony Boggiano
Can’t thank James and Asif enough for their help in finding the right cover to suit our football clubs needs. James in particular was there to assist and prepare our cover at short notice. …More
michael hebb
One stop shop for all your insurance needs. Asif is always good at giving good advise even if you was to take out insurance from other insurers. I will always recommend asif for his service.
Sal Kadva
The legal requirements
What insurance do I need as a contractor?
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.
Considering Liability
What are the contractual requirements?
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.
Cover for your needs
How much public liability insurance do I need?
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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