Business Insurance

[cr0ft]

Hi all. Having paid £300 ish per year for PL and EL insurance, I am rather surprised that to be insured for plumbing and heating work instead of plumbing seems to be increasing my Insurance quotes by 5x ...


Any gas fitters know of any competitive companies? £1,500 per year is bloody silly tbh, especially as we have not claimed once in eight years of trading.

 

[lame plumber]

use a broker to get the best deal, try courtprice and avoid simply business

 

[plumben]

Tradesman saver for me £85 a year 2mill cover for plumbing-heating not gas though

 

[Rckape]

I pay around £350 with direct line for £2mil cover including gas and hot work.

 

[newcastle phill]

Axa

 

[gassafe]

I pay about 400 for 2 million liability, 50k indemnity, 2k tool cover & sickness cover which gives 300 a week if I'm off work...

 

[lame plumber]

I pay about 400 for 2 million liability, 50k indemnity, 2k tool cover & sickness cover which gives 300 a week if I'm off work...

but with who?? some folk never read the exam question right

 

[ShaunCorbs]

1.3k for about 10 and 15 mil

includes hot works,
welding on site,
oxy cutting etc

 

[gassafe]

but with who?? some folk never read the exam question right

Trade direct insurance

 

[cr0ft]

Can't get lower than £1,300 anywhere for 4 of us tbh. It includes insurance for gas work and I think they all think 4 of us are doing it full time. In reality it's such a small amount of our overall work, maybe 3% of turnover.

Understanding the risks if I cause damage whilst doing heating work, do I NEED PL insurance to do gas work legally? At an additional cost of £1,000 per year I am very happy to take the risk myself.

 

[Linkyplumb]

Check the small print for Gas Safe rules, I think it says somewhere about PLI, or at least it used to.