Plumbers Liability Insurance

Plumbing contractor insurance to protect your assets and your future.

Plumbing contractors work in any number of specialties and your plumbers insurance should focus on the work you do. Whether you’re fixing leaks and unclogging drains, adding heating systems and boilers, or connecting new water and sewer lines, your needs can change. The type of work you do—for homes or businesses—affects the plumbing business insurance coverage you require. Getting the protection that’s right for you can make all the difference.

Plumbing contractor insurance for your unique business.

Many plumbing contractors could benefit by starting out with a business owners insurance policy (BOP). These typically combine different types of insurance. For example, general liability insurance protects you if you cause property damage or bodily harm during your work.

In addition, commercial property insurance provides protection for your building and its contents. Business income insurance may help if you can’t run your business because of a covered event, such as a fire.

You’ll need protection beyond the BOP.

For most businesses, the business owners insurance policy is often not enough. For example, a BOP won’t protect you in the event you make a mistake that causes harm or damage. In this case, you’ll need professional plumbing liability insurance.

Also, if an employee were to make disparaging remarks about a customer, you may be held liable for slander. A professional plumbing liability insurance policy could also help in cases of personal injury.

Specialized insurance for a business always on the go.

Because you’re likely moving from site to site over the course of the day, business auto insurance is important. Policies exist for the plumbing contractor who has one vehicle or an entire fleet. If employees use their own vehicles for business or if you rent a vehicle for a specific job, you’ll need hired and non-owned auto insurance. Inland marine insurance for plumbers covers lost, stolen, or damaged tools and equipment in transit.

Preparing for the unexpected with plumbing contractor insurance.

No one wants an accident to happen, but if it does, you should prepare. Environmental insurance protects plumbing contractors if hazardous spills or leaks occur. This includes fuel, oil, or sewage. Cleanup costs add up fast, as do defense costs and damages, if you face a lawsuit.

Insure for occurrences that are beyond your control.

Your employees have access to homes and businesses, and temptation may get the better of them. Employee dishonesty insurance protects you from fraud and theft. If your equipment breaks down, it may be expensive to repair or replace. Consider equipment breakdown insurance for these incidents.

Your business relies on public utilities to operate. Business income for off-premises utility services coverage (OPUS) may help recover lost income because of a utility outage. For example, it may cover losses because of a power loss from a storm.

Don’t ignore the business side of your operation.

A plumbing contractor business also has a need for coverage that most industries can benefit from. Cyber liability offers protection in case of a computer network hack or data breach. Employment practice liability insurance for plumbers can help cover the costs of attorneys, court fees, and damages associated with lawsuits alleging discrimination or harassment.

Most areas mandate workers’ compensation insurance. Because your work is physical, it’s important to have enough coverage. This protects you if an employee gets hurt on the job.

We can help you find plumbing contractor insurance that fits the needs of your business. Reach out to us today to discuss your needs and options.

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As an independent agency, we are here to help you find the right Plumbers Liability Insurance coverage.