The starting point in determining what plumbing insurance you need is assessing the type of work you do and where, whether you employ people, own a van, and operate from a shop or office. Common business requirements are public liability insurance for plumbers, professional indemnity cover, and employers liability insurance (compulsory for most businesses that employ one or more people). These form part of the standard features in our liability cover for plumbing, heating, and gas engineers. It's also advisable to look at covers like property insurance if you have a shop, office, workshop, or other business premises; commercial vehicle cover if you have a van, for instance; and tools insurance. We can also add covers such as personal accident and income protection if you need them. For more information, read our quick guide to insurance.