- Appetite
- Trades specialist worth approaching for a straightforward bathroom fitter’s EL and PL requirements.
- Check
- Check plumbing scope, hot works conditions and escape-of-water excesses.
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Reading the risk
For: Bathroom fitter
We couldn't tell the trade from that, so these are the broad commercial markets. Add the trade and the class of cover for a sharper list.
What underwriters will focus on
Bathroom fitting risk, with PL and EL where applicable; contract works cover may also be needed. Underwriters will focus on escape of water, hot works and whether plumbing, electrical or gas work is undertaken or subcontracted.
Where to start
AXA Insurance UK; MSIG Europe; AXIS (Lloyd's Syndicate 1686); HSB Engineering Insurance (varies by product) Source
Quote online (own portal) · Victor for Brokers Source
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We found 98 UK markets that write bathroom fitter risks: 19 insurers, 79 MGAs and 0 Lloyd's markets. Commonly listed: Rhino Trade Insurance, Victor Insurance.
Escape of water is the main claims driver, so expect questions on plumbing qualifications, pressure testing and domestic versus commercial work. Soldering and any gas or electrical work must also be declared.
bathroom installer, wet room installer, kitchen and bathroom fitter, plumber and tiler