As a plumber or HVAC contractor, you deal with emergencies every day, so it’s easy to forget about the help you may need in an emergency.

Keeping your customers’ homes and businesses free of water, gas and other dangers poses liability exposure. And injury to your or your employees is always a possibility.

Adler Insurance Group understands the risks you face with your trade, which is why we offer industry-leading plumbing and HVAC contractor insurance. And our commercial insurance team can tailor our policies according to your unique needs.

Typical Features:
  • Business property cover
  • Income protection
  • Employer liability
  • Public liability – with varying levels of indemnity up to £10m
  • Contract works – to protect the materials you are using both on-site and in transit
  • 24-hour legal helpline should you need advice and guidance
  • Options to extend to cover your tools and plant
  • Option to extend to cover temporary employees
Typical Exclusions:
  • Policy excess as shown in your policy documents
  • Hazardous location exclusion
  • Asbestos exclusion
  • Theft of tools from unattended vehicles
  • Injury or loss occurring outside of the EU

Exclusions will change depending on your profession. This list of exclusions is a summary and is not a full list of all exclusions that may apply.

Can you offer tools cover and up to how much?

Yes, we can offer tools cover for all trades, ranging from £1000 – £5000 per person.  Own plant and hired-in plant cover can also be offered.

I need ‘contractors all-risks’ cover for my contract, can you offer this?

Yes. As a specialist trade insurance broker, we use a panel of top insurers to provide a package of cover that suits your needs.

Can I pay over monthly instalments or does it have to be a one off payment?

Yes, of course.

What level of public liability do you recommend?

For your peace of mind, we recommend as high a level of cover as possible. We will provide prices on all levels of public liability so you can make an informed decision.

With Adler Insurance, you can be confident that, in the event of the worst happening, your claim will be handled by our in-house claims team. This means a fast and efficient service that many insurance brokers have to outsource to achieve.

Simply contact the claims team using the details within your policy documents, or call us on 0121 764 7563 to speak directly to a claims handler. They will talk through your claim, guiding you through your next steps and the whole process.

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