Plumber General Liability Insurance protects your business from the risks that come with the job. Whether you're installing pipes or fixing leaks, accidents like property damage or injuries can occur. This insurance covers costs such as legal fees, repairs, and medical expenses, helping you avoid financial setbacks. It ensures your business can continue to operate smoothly, even when unexpected issues arise.
As a plumber, you are often required to have General Liability Insurance. This requirement can come from several sources, including state and local regulations, contractor agreements, or client contracts. In many states, it's mandatory for plumbers to carry this type of insurance to obtain a license or work permit. Additionally, general contractors or clients may require proof of insurance before allowing you to work on a job site. Having this coverage not only ensures that you're compliant with legal requirements but also helps build trust with clients, showing them that you are a professional who takes responsibility for the work you perform.
In addition to General Liability Insurance, several other types of insurance are crucial for plumbers to consider:
Tools Coverage
Coverage: Protects your tools and equipment from theft, damage, or loss.
Importance: Tools are essential for your work; losing them could halt your operations and result in costly replacements.
Auto Insurance
Coverage: Covers vehicles used for business purposes, including work trucks and vans.
Importance: Ensures that you’re protected in the event of an accident while driving between job sites.
Surety Bond
Coverage: Guarantees that you will fulfill your contractual obligations.
Importance: Often required by clients or municipalities, it assures them that the work will be completed as agreed.
Workers' Compensation
Coverage: Covers medical expenses and lost wages for employees who are injured on the job.
Importance: Required by law in most states, it protects both your employees and your business from the financial impact of workplace injuries.
Excess Liability
Coverage: Provides additional coverage beyond the limits of your General Liability Insurance.
Importance: Offers extra protection in the event of a large claim that exceeds your standard policy limits.
Bodily Injury: A client trips over your tools while you’re working in their home, resulting in a broken arm. Your General Liability Insurance covers their medical bills and any legal claims.
Property Damage: During a pipe installation, a fitting fails, leading to a flood that damages the client’s hardwood floors. Your insurance covers the repair and replacement costs.
The cost of General Liability Insurance for plumbers varies based on several factors, such as your location, the number of employees you have, your annual revenue, and the specific details of your operations. These factors all contribute to the final premium, ensuring that you get coverage tailored to your business needs. We can offer competitive rates that reflect your particular situation.
We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.
How do I get a certificate of insurance?
After purchasing a plumber liability insurance policy with us, we’ll email you a certificate of insurance. This document confirms your coverage and can be shared with clients or contractors as proof of insurance.
How quickly can I get Plumber Liability Insurance?
The process typically takes less than 15 minutes. Once complete, you’ll receive your policy documents and a certificate of insurance right away.
What should I know before buying Plumber Liability Insurance?
Gather all insurance requirements from contractors, subcontractors, vendors, clients, or local government offices beforehand. This ensures your policy covers all necessary aspects.
How are plumber liability insurance prices determined?
Premiums are influenced by various factors, including location, business operations, number of owners, employees, claim history, and more.
How can I prevent job site accidents?
(888) 900 0205
