PLUMBERS INSURANCE SPECIALISTS

Insurance for plumbers that keeps your business flowing.

Tailored insurance for plumbers and heating engineers. From public liability to tools cover, we help protect you, your customers and your business.

FCA RegulatedFRN 1034795 · UK
UK Based ExpertsPlumbing trade specialists
Fast CertificatesSame-day cover
Claims SupportIncluded as standard
★★★★★ Rated 4.8/5 from 1,400+ reviews
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COVER BUILT FOR PLUMBERS

The essential cover for plumbers and heating engineers.

Our plumbers insurance policies can include:

Public Liability

Protection if you accidentally injure someone or damage property while working.

Employers' Liability

A legal requirement if you employ staff, including apprentices.

Tools & Equipment

Cover for your tools and equipment, on site, in transit or at your premises.

Professional Indemnity

Protection if advice, design or work you carry out is found to be faulty.

Personal Accident

Financial support if you're injured and can't work as a result.

Optional Extras

Including cover for emergency call-outs, legal expenses & more.

BUILT FOR PLUMBING BUSINESSES

Cover that works as hard as you do.

We understand the risks plumbers face every day.

  • Cover for leaks, burst pipes and water damage
  • Work in domestic, commercial and industrial properties
  • Emergency call-out cover available
  • Cover for sub-contractors you use
  • Competitive prices with flexible payment options
  • Fast, simple online quotes and instant certificates
Get a plumbers insurance quote →
★★★★★

"Ragado sorted my insurance quickly and got me a great price. The cover is perfect for my plumbing business."

— Tom D., Plumbing & Heating Engineer

Why choose Ragado for plumbers insurance?

Specialist knowledge
We know the plumbing trade and the risks you face
Competitive prices
Great cover at prices that work for you
Instant documents
Get your certificate straight away by email
Claims support
We're here to help you when you need to make a claim
UK based
UK experts, supporting UK tradespeople
SIMPLE PROCESS

Get covered in 4 simple steps.

1
Tell us about your business

Answer a few quick questions about your plumbing business.

2
We compare & recommend

We compare quotes from leading UK insurers to find you the right cover.

3
Review your quote

Receive your tailored quote and policy details to review at your convenience.

4
You're covered

Buy online or speak to our team and get your certificate straight away.

Get my quote now →

Rated excellent by plumbers like you

★★★★★

"Easy to use, great price and instant certificate. Exactly what I needed."

Lee M. · Plumber
★★★★★

"Excellent cover for my business. The team were really helpful."

Sarah P. · Heating Engineer
★★★★★

"Best price I found and the cover includes everything I need."

Mark R. · Plumbing Contractor
FREQUENTLY ASKED QUESTIONS

Plumbers Insurance FAQs

Most plumbers need Public Liability (essential for working in clients' properties), Employers' Liability (if you have any staff), and Tools & Equipment cover. Professional Indemnity is important if you design systems or advise on installations.
It's not legally required for sole traders, but most customers, letting agents and contractors require it. Working in someone's home without PL cover is high risk, and most Gas Safe and CIPHE memberships require it.
Yes, if you employ anyone — including part-time, temporary, seasonal or apprentice workers. The legal minimum is £5m and non-compliance can result in fines of up to £2,500 per day.
Yes, tools cover typically includes theft from vehicles (usually overnight exclusions apply), on-site theft and accidental damage. Make sure you declare an accurate replacement value for all your tools and equipment.
Yes. Cover for emergency call-out work can be included in your policy. We'll ensure your policy reflects all the types of work you carry out, including reactive emergency call-outs and planned maintenance.

Protect your business. Protect your reputation.

Get specialist plumbers insurance today.