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Contractors’ insurance protects against the financial risks present at all stages of business operations.
Water conditioning contractors install and connect water conditioning equipment to residential and commercial structures. Like plumbers, the common risks include water damage due to leaking pipes or improper fittings and bodily injury or property damage claims caused by hazardous tools such as a soldering torch or pipe cutter. Furthermore, installing a faulty water conditioning system can result in contaminated drinking water, leaving customers with serious injuries and ongoing health issues.
Our team of contractors’ insurance professionals recommends a package of commercial insurance products that shield business owners from an employee or third-party action.
Water conditioning contractors’ general liability insurance provides financial protection against third-person injuries or property damage claims.
Water conditioning system installers’ general liability provides coverage for products and completed operations that protect against customer lawsuits alleging property damage or injury due to your product or completed service.
Many states require a water conditioning contractor general liability policy before issuing a license.
Water conditioning contractors’ workers’ comp insurance provides benefits to employees if they are injured or become ill from a work-related incident.
Many states mandate water conditioning contractors’ workers’ compensation to satisfy prerequisites to become licensed.
Water conditioning system installers’ workers’ comp will be available to pay medical expenses and lost wages. It also prevents you from being financially responsible for an employee’s work-related injury or illness.
Various state licensing boards and customers require a water conditioning contractors’ bond to bid on a project.
A water conditioning contractors’ surety bond guarantees your state’s licensing department and clients that you will complete the job according to the project agreement and that subcontractors and suppliers get paid.
Water conditioning contractors should always avoid insuring business vehicles on a personal auto policy.
Water conditioning contractors’ commercial auto insurance will offer higher limits and allow unlimited vehicles and drivers.
Water conditioner installers’ commercial auto coverage financially insulates your business from claims that result from an at-fault accident or other covered peril.
Water conditioning contractors rely on expensive tools and equipment to complete everyday business tasks.
A water conditioning contractors’ tool and equipment policy will protect business property stolen from a job site, in transit, or offsite storage location.
Water conditioning contractors’ inland marine (tool and equipment insurance) provides the coverage to repair or replace equipment damaged by a covered peril.