Our customized proposals guarantee the best possible results, allowing you to focus on your daily activities without worrying about potential liability problems.
Our plumbing insurance services extend to a wide range of areas across the country, ensuring that you get access to professional coverage wherever your business operates. We specialize in everything from general liability to workers’ compensation, providing tailored solutions to meet your unique requirements as a licensed plumber in your state.
As a plumbing contractor, you work hard to ensure your clients’ systems remain in excellent condition. However, even the most experienced professionals can face unexpected claims. That’s where our plumbing contractor insurance comes in, offering timely solutions to keep your business protected.
Our service areas cover all 50 states, ensuring that you receive prompt and efficient insurance solutions no matter where your plumbing business is located. We specialize in delivering quality coverage at competitive rates to maintain the financial integrity of your operation.
Our plumbing insurance solutions are designed to cover all aspects of your trade business and risk management. A key advantage of our service is that it includes comprehensive coverage assessments and policy options, ensuring your plumbing business remains protected under your state’s requirements.
Here’s an overview of the coverage options we offer in our service areas:
Protect your plumbing business from third-party claims for bodily injury, property damage, and advertising injury arising from your operations.
Example: A pipe installation causes water damage to a client’s home. General liability coverage handles repair costs and any resulting legal expenses.
Most states require workers’ compensation for plumbing employers. This coverage pays for medical bills and lost wages when an employee is injured on the job, protecting your business from costly lawsuits.
Example: A plumber falls from a ladder while servicing a commercial property. Workers’ compensation covers medical treatment and lost income during recovery.
Your business relies on vehicles for transporting tools, materials, and workers across job sites. Commercial auto insurance covers your fleet against accidents, theft, and other incidents.
Example: A company van is involved in an accident while traveling to a job site. Commercial auto coverage handles vehicle repairs and liability claims.
The tools and machinery essential for your plumbing work represent a significant investment. Inland marine coverage protects against theft, loss, or damage, allowing you to quickly replace or repair essential equipment.
Example: Your pipe threading machine and specialized tools are stolen from a job site. This coverage reimburses the replacement cost so your work continues without interruption.
An umbrella policy gives your plumbing business protection from catastrophic losses that exceed underlying policy limits. It is relatively inexpensive and protects you from claims that could otherwise wipe out your business financially.
Example: A major liability claim against your company exceeds your general liability policy limits. The umbrella policy covers the remaining balance up to its limit.
Generally, no. Your general liability policy covers work performed by you and your direct employees. If a subcontractor you hired causes damage or injury, their own liability policy is expected to respond first. This is why Contractors Liability® recommends always requiring subcontractors to carry their own insurance and listing your business as an additional insured on their policy before work begins.
