Drain Cleaners Insurance
Specialist insurance for drain cleaners from £11 a month*.
Fast, easy online quote in 90 seconds
Levels of cover to suit you
Pay by interest free direct debit
Drain cleaning can be difficult work. Every new client brings a different set of challenges and risks, and no matter how painstaking you are in your approach, there is always a chance that an accident will happen.
When you’re dealing with heavy equipment and hazardous chemicals, the consequences of any mistakes can be serious. You might suffer an injury or cause damage to a customer’s property, for example. With this in mind, it makes sense to have appropriate financial protection in place.
At Markel, we offer drain cleaning insurance that will help you to safeguard your business from a whole range of risks.
What is drain cleaners’ insurance?
Drain cleaners’ insurance is cover designed specifically to protect the finances of businesses like yours. You can tailor your policy to meet your particular needs. Drain cleaners’ insurance almost always includes public liability protection. Other important types of cover range from tools insurance, to professional indemnity protection, to employers’ liability cover.
At Markel Direct, we provide a full selection of insurance options for drain cleaners, meaning you can access the cover you require without having to pay for insurance that isn’t relevant to your needs.
Public liability insurance for drain cleaners
Whether you specialise in cleaning drains in residential or commercial properties, or both, your role will bring you into contact with members of the public on a frequent basis. And if you cause injury or property damage while carrying out your work, you might find yourself subject to costly legal claims. This is why it’s so important to make sure you have public liability insurance for drain cleaners.
For example, as you’re carrying out high pressure jetting to clear a drain for the council, a passerby trips over your cleaning hose, suffering injuries as a result. In a case like this, you could find yourself subject to significant legal fees and compensation costs - but with public liability insurance for drain cleaners, you will be protected.
Do I need drain cleaners’ insurance?
Lacking suitable cover can spell disaster for drain cleaners. The nature of your work means it’s impossible to rule out potentially costly accidents. You might make a mistake when trying to clear an obstruction in a customer’s drain that results in water damage to their property - landing you with a big repair bill. Or a member of the public might fall over your toolbox and sue you for their injuries. Having public liability cover in place will mean you’re not left to cope with these expenses yourself. It’s also important to be aware that some clients might require you to have this type of cover in place. The right liability protection not only gives you peace of mind as a business owner, but also provides your customers with added reassurance.
What about the tools you use for your drain cleaning work? From jet pumps to cleaning rods, you might rely on various pieces of equipment. If they were stolen, damaged or lost, could you afford to repair them or buy new ones? With suitable tools insurance in place, you won’t have to.
If you have people working for your drain cleaning business, the law demands that you purchase employers’ liability cover. In fact, you can be fined £2,500 for every day that you lack this type of insurance as an employer.
Why choose Markel Direct for drain cleaners’ insurance?
We know that when you’re looking for drain cleaners’ insurance, nothing but the best will do. Below are some of the reasons to select Markel Direct as your cover provider.
✔ Transparent pricing
When you buy insurance from us, you don’t have to worry about being hit with fees you don’t expect. Our pricing is fully transparent and easy to understand.
✔ Cover tailored to your business
Generic business insurance simply won’t cut it. As a drain cleaner, you face very specific financial risks. Our policies reflect this, providing cover tailored to match your exact requirements.
✔ Positive customer feedback
Our commitment to offering impressive levels of customer service is reflected in the positive feedback we get on Feefo.com.
✔ Quick quotes
You don’t have to wait to get a quote for drain cleaners’ insurance from us. Simply complete our online form and receive a quote in as little as 90 seconds.
✔ Legal advice around the clock
Thanks to our 24/7 legal advice helpline, run by expert solicitors, you never have to wait to access legal guidance.
How to buy drain cleaners’ insurance
At Markel Direct, we make it easy to purchase drain cleaners’ insurance. Just complete our online form and we’ll give you a quote in less than two minutes. It’s that simple.
You can either start your policy straight away or arrange it up to 30 days in advance.
How much does drain cleaners’ insurance cost?
The cost of your premiums will depend on various factors, such as whether you employ anyone, how big your business is, what types of cover you need and the level of protection you’re looking for.
Why not get a quote now to see exactly how much you can expect to pay?
*Price based on a drain cleaner requiring £1 million of public liability insurance.
Cover starting from £11 a month
What insurance do plumbers need?
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Public liability insurance
Public liability insurance is designed to cover any legal fees and compensation costs you might face if a member of the public sues you over property damage or personal injury that you have caused. Our policies are available with cover limits starting from £1 million and rising to £5 million.
Example of a claim:
While unblocking a drain in a customer’s property, you cause flooding that results in damage to the flooring. They seek compensation to cover the cost of repairs. -
Employers' liability insurance
Employers’ liability insurance protects you if a worker is injured or becomes ill as a result of their job. You are legally required to have at least £5 million of this insurance in place. We provide a cover limit of £10 million.
Example of a claim:
A worker suffers a skin reaction caused by coming into contact with a drain cleaning chemical. They seek compensation from you for their injury. -
Tools insurance
Tools insurance covers the equipment you rely on to do your drain cleaning work. It pays out in the event your tools are damaged, stolen or lost. Take your pick from cover limits of between £1,000 and £5,000. We also give you the choice of insuring your tools during working hours (8am – 8pm) or around the clock.
Example of a claim:
There is a fire at the garage where you keep your equipment, meaning you have to replace the majority of your tools. -
Occupational personal accident insurance
Occupational personal accident insurance provides you with income if you find yourself unable to work due to an injury you experience because of your job. Depending on the type of injury you suffer, it can provide either weekly payments or a lump sum.
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Owned plant insurance
Owned plant insurance covers the expense of replacing or repairing your own plant machinery if it’s stolen or damaged. Choose from cover limits starting from £10,000 and rising to £50,000.
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Hired in plant insurance
Hired in plant insurance protects you if plant machinery you have hired from another company is stolen or damaged. Our cover limits range from £10,000 and £50,000.
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Contract works insurance
Contract works insurance protects you if you have to redo or repair work you’ve carried out on a construction site because of a flood, fire, theft or act of malicious damage.
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Goods in transit insurance
Goods in transit insurance covers you if your goods are damaged or lost while being moved between locations. It includes goods being transported by your own vehicles or a courier.
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Professional indemnity insurance
Professional indemnity insurance protects you if you make an error in the advice you provide to a client.
Need some help?
0800 640 6600
Mon - Fri 08:30 - 17:30
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SupportCover starting from £11 a month
Frequently asked questions
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Can I get instant cover for my drain cleaning business?
Yes, when you purchase drain cleaning insurance from us, you have the option of starting your cover immediately.
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What should I do if a client asks me for proof of insurance?
If a customer asks you for proof of cover, simply present them with the 'Confirmation of Liability Insurance' that we email to you when you buy drain cleaners’ insurance from us.
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Is business insurance a legal requirement for drain cleaners?
Most forms of cover aren’t a legal requirement for drain cleaners. The exception to this is employers’ liability protection. If you have employees, the law demands that you get this type of insurance.
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Can I just cover my most expensive tools?
We are unable to provide cover for your most expensive tools alone. When you purchase drain cleaners’ insurance from Markel Direct, you must cover all of your equipment. This ensures you’re fully protected in the event you need to make a claim. If you lack protection for some tools, this may mean your claim isn’t covered, or it could result in you receiving a smaller amount in compensation.
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How is Markel regulated?
Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority. To get further details, visit the Financial Services Register.
Access free legal services for your drain cleaning business when you arrange cover with Markel, including:
24/7 access to a legal advice helpline manned by qualified solicitors
Access legal templates and resources with the Markel Business Hub
Receive discounted IR35 contract reviews with your policy
Expert management of public relations crises with The Counsel House