Get a Plumbers insurance quote from OCI.ie today

PLUMBER'S INSURANCE

REQUEST A QUOTE
ARRANGE CALLBACK

Whether you're looking to talk about insurance or need some advice on insurance products, we are here to help.

Plumbing Insurance - Frequently Asked Questions

HOW MUCH DOES GENERAL LIABILITY INSURANCE TYPICALLY COST FOR A PLUMBING CONTRACTOR?

As a Plumber, you can in theory quote for any job without having a Plumbing Liability Insurance Policy. Chances are though, that when it comes to the time to start the job, you will need to produce proof of insurance to unpack your tools and get to work. A Public Liability insurance policy for a plumber with a public liability limit of indemnity of €6.5 million will cost you from €630. If you have an employee, a combined employers and public liability insurance policy will start from €900.

  • Discounts are available for approved members of RGII (registered Gas Installers of Ireland) and OFTEC (Oil Firing Technical Association).
  • When O’Callaghan Insurances quotes a plumber’s liability insurance policy we will offer you several payment plans to accommodate your budget.
  • We will offer you options to keep your initial payments low, especially if you are a new company with limited capital resources.
  • Typically, companies offer direct debit plans that allow you to spread the payment of your premium over the course of the year in 9 or 10 payments after a deposit.

WHAT DOES PLUMBERS INSURANCE ACTUALLY COVERED?

Plumbers Public Liability Insurance provides cover, if someone, typically a member of the public, a visitor to your premises, a supplier or even a trespasser becomes injured in connection with your business and you are deemed negligent and liable.

It also provides cover for any damage you may cause to another person’s property including the property of the person or business that has contracted you for the job. Losses, where you are deemed liable, after you have completed work for a customer (such as repairing appliances or installation of solar panels is also included under a Plumber's Public Liability Insurance Policy.

Employers Liability Insurance provides cover if one of your employees becomes injured while working for you and you are deemed negligent and liable.

WHY LIABILITY INSURANCE IS VITAL FOR PLUMBERS – HAZARDS ENCOUNTERED DAILY

Plumbers are exposed daily to all kinds to hazardous materials and chemicals such as drain cleaners containing sulphur and other carcinogenic substances, solvents, lead, mould and sewage. They need to protect their lungs, skin and eyes from these substances.

Flammable materials and electricity also causes danger to plumbers. For instance – unexpectedly hot water, steam pipes, electrical wiring, gas lines, boilers, electrical tools and power lines – especially near water – all very dangerous working conditions and any one of these items can cause significant injury.

The dangerous working conditions can often be exasperated by a laissez faire attitude towards these hazards. This attitude can creep up on Plumbers – they get so “used” to working with the danger that they can forget that it exists - which makes the work even more dangerous. As an employer of Plumbers, it can be very useful to remind your workers of the dangers and pointing out specific dangers when moving to a new project.

HOW DO I GET A PLUMBERS INSURANCE QUOTE?

We will ask you questions about your business including your turnover, number of employees, length of time in business and other questions that you will be able to answer over the phone. Once we have all the required information we will submit details of your risk to a full range of insurance companies that will provide a quotation. We will then collate the quotes and be back to you within 24 hours.

We pride ourselves on giving an element of choice to each and every customer – tailoring both the types and levels of cover to your specific needs.

At quote stage or when offering a renewal, we check all the companies available to us. We look to ensure that we offer our clients the most competitive deal we can find each and every year.

YOUR LOCAL TRADESMEN INSURANCE SPECIALIST

Jean Marc Rolland- Talk to our Plumbers Insurance Agent today

JEAN MARC ROLLAND

NAVAN

Mary Worden- Talk to our Plumbers Insurance Agent today

MARY WORDEN

DUNDALK

Edel Durkin- Talk to our Plumbers Insurance Agent today

EDEL DURKIN

MONAGHAN