Killarney

<p>By John Healy of Healy Insurances</p>
<h3>What kind of insurance does a plumbing and heating contractor need?</h3>
<p>Much will depend on what tasks are performed on a daily basis. Sole trader plumbing and heating contractors who work on sites will need to have adequate liability insurance in place; Public and Products Liability and Employers Liability, if applicable. If the business has a workshop with machinery and stock then a combined property policy should also be in place. Gas installation can be included in the business description if necessary.</p>
<p> Below is an outline of the typical covers needed;</p>
<h3>Employers, Public and Products Liability Insurance</h3>
<p>Employers Liability Insurance covers your legal liability in the event that you are negligent and required to pay compensation for bodily injuries to an employee in the course of their employment. Employee numbers and annual wages will need to be disclosed accurately and annually. Public liability Insurance covers your legal liability in the event that you are negligent and required to pay compensation for bodily injuries or damage to third party property in the course of your business activities. Your annual turnover will need to be disclosed and reviewed annually. Many main contractors and State bodies may require you to have a minimum of &euro;6.5 million limit of indemnity. Products Liability Insurance covers your legal liability for injuries and property damage in connection with goods sold or supplied. Additional covers such as tools and equipment and personal accident can be included on some policies.</p>
<h3>Commercial Vehicles</h3>
<p>As with all other motor insurance products, the cover options would be comprehensive, third party fire and theft, or third party only. Optional extras such as windscreen cover and trailer cover can be included. Most commercial motor policies are available on an open driving basis but you can save money by naming individual drivers.</p>
<p> You should seek out the expert advice of a professional insurance broker to review your insurance needs.</p>
<p> At Healy Insurances, we can review your business requirements, offer expert advice and help you to save money on your premiums.</p>


Insurance for plumbing and heating contractors

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