Insurance for Plumbers

Plumbing Insurance: What You Need To Know

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When you are a business owner, there is not an aspect of your business that you do not agonize over. Every penny you earn has a purpose, from paying your employees, investing in new or better equipment, or saving for the day when you are able to retire. Something you don’t have time to worry about is all of those perfectly planned pennies disappearing as a result of a lawsuit. Every business makes mistakes, and sometimes people or property are injured or damaged as a result. It is important for you to protect yourself and your employees by carrying liability insurance for plumbers on your existing Business Owners Policy (BOP). 

What is plumbers liability insurance?

Plumbers liability insurance is a unique coverage for businesses that are plumbing companies, or whom utilize plumbers. You probably already have a business owners policy, and are unsure as to why you would need anything else. Due to the unique nature of all businesses, there is bound to be a few areas that a general business owners policy does not cover. You do not want to lean about these shortcomings in your insurance because you have found yourself in the midst of a lawsuit. When you enlist the help of a professional insurance agent, he will look closely at the type of business you own, and help determine what additional policies you may need. A few of the additions you may be encouraged to consider are:

General Liability Insurance: General Liability Insurance will protect your business and you as an owner if you find yourself on the wrong side of an accident or injury that come as a result of a plumbing job your company was responsible for. General Liability Insurance will cover compensatory damages (financial loss that could occur to a client), general damages (pain and suffering, or other intangible losses), and punitive damages (punishments that occur due to your company committing a crime).

Workers Compensation: Should an employee be injured, you may be responsible for his or her medical costs, and even any wages they could lose if they are injured while working for you. Workers compensation insurance is a guarantee that should the need arise, you will have the finances available to do so. 

Vehicle Insurance: Often, plumbing businesses utilize specialized company vehicles to make hauling equipment and supplies easier for an employee. Vehicle insurance is encouraged to help you manage costs associated with vehicle damage. 

Who needs business insurance for plumbers?

In short, if you or an employee in your business is ever responsible for the:
– inspection of plumbing
– the assessment of what has broken or failed in a plumbing appliance or system
– the repair or installation of plumbing appliances or systems (whether residential, commercial or industrial)

We know that you take pride in your business and take great care to only use high quality parts and equipment, keep your vehicles maintained, and only employ the best plumbers you can find. No matter how professional, high-quality or trained your parts or staff are, could your business financially survive a mistake or accident? Insurance plans for plumbing companies exist today because of a need created by past lawsuits and other situations companies have found themselves responsible for. Insurance companies look at past lawsuits or claims and create plans to protect business owners from financial ruin. Protect yourself from:

– Parts or equipment that fail, which can lead to flooded buildings with a lot of ruined contents.

– Company vehicles that are involved in car crashes or theft.

– Employees are constantly using tools or operating machinery that can cause injury. One slip up by even the most competent employee can cause injury. 

What if my business doesn’t carry plumbing insurance?

While this will vary state by state, in most it is the law that you carry insurance for your plumbing business. Even if it is not the law, most clients will not even consider you for a quote, much less a plumbing job if you are not backed by insurance. Even if the person doing the hiring doesn’t care if you have insurance, property owners or state officials may still require it. Plumbing is a messy, intricate job and the possibility for mistakes or faulty equipment is a concern. Insurance will guarantee that should a mistake be made or if someone sustains an injury, your business will be able to cover the damages. 

It may be tempting to only have minimal insurance out of fear that paying a monthly premium for insurance for plumbers will be too expensive. That is why it is beneficial to talk to us today about getting a quote. Plans aren’t one size fits all, and we can work with you to find a plan that covers your individual risk and protects your finances. 

Why choose this company for liability insurance for plumbers?

As an independently owned and operated insurance company, we are uniquely poised to help you with your plumbers insurance needs. Being independent, and not a representative for one particular insurance company sets us apart. We are able to work with numerous, top-rated insurance companies to find the plan that best works for you and your insurance needs. Plumbers insurance quotes can be astoundingly different depending on which company you talk to, and calling for quotes can be time consuming when you find yourself needing to explain your needs over and over again. 

Working with us means telling your company’s story once, and allowing us to do the hard work for you while you focus on what is important, your company, clients, and employees. We will allow the competitive market for your business work itself out into a plan that is perfect for the protection of your company. 

We know you care about your company, and because we care about you we will work tirelessly to ensure that your insurance needs are met and exceeded. To begin the process of adding plumbers insurance to your BOP today, simply request a quote via our website or call to talk to one of our friendly staff today.

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