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Plumbers provide important services to residential and commercial customers. In some areas, plumbers provide critical services to non-profit and government organizations too. Owning your own plumbing business gives you a measure of economic security, since plumbing services are needed somewhere on a daily basis. Keep your company protected from financial hardships caused by accidents or unexpected events by carrying business insurance.
General Liability FOr Plumbing Business
$38 A Month
General liability coverage is a broad level of business insurance designed to protect your company and its customers. This insurance is particularly useful if you sell plumber-related products in a retail location. General liability protects you when you’re at a customer’s location as well however, and it grows with your company so that new locations and products are automatically covered.
General Liability Insurance Includes:
- Premises Liability - When customers visit your workshop or retail location, there is a risk they may sustain injuries while there. Likewise when you are performing your plumber duties at a customer's location, your work area can create a hazardous situation for your customers. If someone is injured at your business location, premises liability can protect you from suffering the financial consequences that arise. This insurance pays for physical injuries and medical care for your customers. If a customer's property is damaged, premises liability also pays for those repairs.
- Products Liability - The plumbing products that you sell to your customers can sometimes be found to be defective in the future. If defective products cause harm or property damages to your customers, your products liability insurance can pay for the medical bills that arise and pay for property repairs. Products liability coverage can also pay your legal defense fees when necessary, and protect you from claims of mistakes or wrongdoing in your advertising.
- Completed Operations - After you complete the plumbing operations you were contracted for, problems – or claims of problems – can arise. If your company is sued by a customer for operations you completed for them, your completed operations coverage can help pay for the litigation and defense costs. This coverage also pay settlements, judgments and damages when applicable.
Plumber Business Owners Policy (BOP)
A business owners policy (BOP) automatically include general liability coverage for your company. BOP options allow you to add protection for your physical and intellectual business assets, such as tools and accounts receivables. You can select just the parts of a BOP that you need as a plumber. Several of the most common coverage options include:
- Buildings and Contents
- Business Income and Extra Expense
- Electronic Data
- Newly Acquired or Constructed Buildings
- Employee Dishonesty Coverage
Plumber Business Auto Insurance
Plumbers drive from one jobsite to another. Frequent driving increases the risks that you could be involved in an auto accident. Business auto insurance takes the worry out of that risk. It can pay for bodily injuries to accident victims, and it pays for property damages. Additional options can protect your plumbing trucks from uninsured motorists, fire and theft.
Plumber Workers Comp Insurance
If your plumbing company has employees on the payroll, you are mandated by law to provide them with workers comp protection. If one of them is ever injured while performing their job duties, workers comp will pay for the needed medical care costs.