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Contractors’ insurance protects against the financial risks present at all stages of business operations.
Plumbing Contractors install, repair, and maintain different types of plumbing systems. Plumbers rely on specialized tools and equipment to perform their trade effectively — including torches and other heating devices — which create significant exposure for bodily injury and catastrophic property damage in the event of an unforeseen incident. As fire and water damage are common risks found on plumbing projects, exposure to lead, sulfur dioxide, asbestos, and other substances can leave workers with serious work-related injuries or occupational illnesses.
Since owner and employee mishaps are sometimes unavoidable, a robust package of commercial insurance coverages is required to protect against workplace injury or third-party claims.
Contractors’ general liability is the bedrock coverage for a plumbing contractor’s business.
It protects your business from third-party injury or property damage at a job site.
Plumbing contractors’ liability insurance also provides defense costs against legal action brought against your company.
Most states require employers to carry a plumbing contractors’ workers’ compensation policy for their employees.
Plumbers’ workers’ comp insurance will financially protect your employees if they are injured or become ill from a job-related incident.
Your plumbers’ workers’ compensation policy will help pay for medical expenses, lost wages, and funeral costs.
Various state licensing boards require a plumbing contractor bond to guarantee that your business will complete each job according to your accepted bid.
The plumbing contractors’ surety bond provides financial protection that pays vendors and subcontractors accordingly.
Plumbing contractors’ commercial auto insurance protects business vehicles while being on or traveling to and from the job site.
Plumbers’ commercial auto insurance provides financial protection if your insured vehicles or trailers are damaged or stolen.
Plumbing contractors’ business auto insurance has no limit on the number of vehicles or drivers needing to be covered.
Also known as plumbing contractors’ tool and equipment insurance, a plumber inland marine policy provides coverage if tools or equipment are damaged or stolen at a job site, transported, or stored.
Plumbing contractor inland marine insurance will reduce or eliminate paying out-of-pocket to replace your valuable tools.