If you currently own or are thinking about buying into a plumbing business you’re going to need an appropriate plumbing contractor insurance policy to protect you in case of an emergency. Not only does an insurance policy protect you and your clients but it makes you look that much more reputable and professional. Get in touch with one of our plumbing company insurance agents today and we’ll have multiple quotes sent out to you promptly!
Basic Plumbing Contractor Insurance Coverage Types
General liability – This type of coverage insures your plumbing company from losses that occur when you, your employees, or your plumbing equipment causes harm to a client. A California general liability policy usually comes with a products and completed operations liability endorsement built in. This coverage protects you from liability arising out of harm your plumbing equipment or plumbing operations cause to a client.
Commercial Auto Coverage – Most plumbing companies have anywhere from 1 to 50 commercial vehicles used for business. Although some vehicles are not considered “commercial vehicles” if they are being used for the business they MUST be on a commercial auto policy in order to cover you in the event of a loss.
Pollution Liability Coverage – Most plumbers deal with paint, drywall, and other materials that contain lead while working on or around piping. According to the USEPA (United States Environmental Agency) all contracts (plumbers or not) must be certified to deal with “lead-safe” work practices. Could you imagine what would happen if one of your employees poisoned a client with lead due to improper lead-handling procedures? Pollution liability protects you in situations such as these.
Workers Compensation – Weather you have one employee or you have thousands, workers comp will provide the medical attention necessary to any one employee if he or she is hurt while on the job. It could be a simple shoulder injury with an office worker or a back injury to one of your plumbers, either way you could be left liable for medical and rehabilitation costs.
Get in touch with one of our plumbing insurance brokers today and we’ll have multiple quotes ready for you. We have access to over 120 different insurance carriers and many of them rate very well for those in the plumbing industry. You can either call us at 949-777-5027, email us at info@CaliforniaQualityInsurance.com, or just fill out the short form to the right. We look forward to hearing from you!