If you work as a self-employed plumber you will need to make sure you're covered in case something goes wrong. For example, if you were to spill your tea on some electrics, or have a customer trip over your ladder and injure themselves, then you need the insurance to cover any potential claims that might be pressed against you. When people file charges against tradesmen such as plumbers and electricians, costs rise exponentially in a very short space of time. Legal fees will need to be paid for, alongside the compensation for the third parties involved. Charges can often raise to thousands of pounds, and if you don't have the insurance to cover this then you can get into serious legal problems.
The type of insurance that covers these events where third parties, or yourself, could get damaged is called Public Liability Insurance. It covers you as a plumber working at a customer's residence against the following types of claim from third parties
Accidental damage of property or possessionsInjury or death of third-partyLegal expenses arisen from health and safety legislation
These are just the basics, if your services span more areas such as working with asbestos, working at heights (on roof tops or tall ladders) or working with heating devices you will have to pay extra premiums. This is because these working environments are deemed as high risk. As a tradesman working in these types of places you will be putting yourself at much greater risk. Working with asbestos is especially dangerous as the chances of doing the wrong thing, such as drilling into it and releasing dangerous fibers into the air, are very high.
It's always best to get insured for the maximum amount that you can safely afford.
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