Insurance for Plumbers

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General Liability insurance for Plumbers

General Liability insurance is an essential form of coverage for plumbers, protecting them against claims and lawsuits stemming from third-party bodily injury or property damage. Also known as Commercial General Liability (CGL) or “slip and fall” insurance, these policies protect plumbers and other contractors who provide a physical service to the public or meet their clients in a variety of locations (including your or a client’s office, worksites, and other third-party locations) as part of their work. False or baseless claims are also covered by General Liability insurance for plumbers.

Did you Know?

Commercial landlords typically require proof of General Liability insurance to lease office, warehouse or other business spaces.

Why do Plumbers need General Liability insurance?

Plumbing can be a messy business. Burst pipes and clogged pipes can cause big headaches for your customers, and they’re relying on you to set things right as quickly and with as little disruption to their lives as possible. But what happens when things don’t go completely to plan on your end?

While working in a customer’s home, you accidentally knock over and break an expensive vase that was sitting near the sink. The customer is upset and demands that you pay to replace their damaged property. Could you afford to compensate them from your own pocket?

Commercial Plumbing insurance covers the costs of third-party property damage claims, shielding your business and personal finances from potentially devastating compensation requests and lawsuits. Your policy will also cover injuries suffered by a third party, so if a customer is injured due to your perceived negligence, you’ll also be protected.

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What does Insurance for Plumbers cover?

General Liability Plumbing Cover helps protect businesses in the event of claims or lawsuits arising from:

  • Injury sustained by a third party
  • Property damage incurred by third parties

 

Crucially, General Liability insurance for plumbers also provides coverage against baseless claims. These allegations can be just as costly to resolve as those that do have merit. The last thing you want is for an unfounded claim to leave your plumbing business underwater. General Liability insurance can help keep this from happening.

What is not covered?

There are many events that are not covered by General Liability insurance. These include (but are not limited to):

  • Damage to your or your employees’ property
  • Errors resulting from professional errors
  • Employee injuries or workers’ compensation claims
  • Intentional damage done to third-party property

 

There may be other forms of insurance available to cover some of the events listed above. You might also consider putting steps in place to ensure that every employee is working as carefully as possible to avoid unnecessary general liability claims.

Who needs Plumbers Insurance?

General Liability insurance could benefit many different types of plumbing contractors, including:

  • Residential and commercial plumbers
  • Septic system and sewer hookup contractors
  • Drainage system installers
  • Water pump installation and servicing contractors
  • Water system balancing and testing providers
  • General handyman

 

No matter what specialty or trade you practice, General Liability insurance could help you protect your bank accounts from financially devastating claims.

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How much does General Liability insurance for plumbers cost?

Many factors are taken into consideration by insurers when they calculate your insurance premium (the amount you will regularly pay for coverage). The amount you pay will likely vary from other contractors, including other plumbers.

For example, insurance for plumbers working as sole proprietors will probably cost less than for a plumbing business with multiple employees being covered by the policy.

General Liability premiums can be impacted by factors such as:

  • Type of plumbing work your business does (residential or commercial)
  • Annual revenue and turnover of the business
  • Number of people being covered and their relevant qualifications
  • Past claims history
  • Coverage amounts and deductibles

 

Comparing quotes from multiple insurers is one way to understand how much you can expect to pay for General Liability insurance to protect your plumbing business.

Why choose BizInsure for Plumbers Insurance?

Let BizInsure help you protect your plumbing business and get important peace of mind. We understand small business owners like you and have made the process of buying insurance simple and easy.

Just three simple steps and 10 short minutes:

  1. Complete our online application – Usually 10 questions or less!
  2. Compare quotes – Our insurance partners are rated A or higher.
  3. Purchase a policy – You’ll receive proof of insurance instantly by email.

 

Prefer to buy over the phone or have a question about the process? Our friendly, licensed agents are ready to help at every step of your insurance journey.

Give BizInsure a try – start receiving General Liability quotes today!

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Frequently Asked Questions

Is Plumbers Insurance mandatory or required by law?

You may be required to have General Liability insurance in order to obtain a plumbing license in some areas. This requirement may be enforced by your state, city or local government. It is advisable to check your legal obligations as a business owner to ensure you are properly covered.

Even if General Liability insurance is not mandatory for plumbers in your area, a policy may still be required by other individuals that you work with. Commercial landlords commonly require General Liability coverage as a condition of leasing their business space. If you work as a subcontractor for another business, they may request proof of your commercial plumbing insurance before bringing you onto a project.

What is the difference between a surety bond and General Liability insurance?

In some states, plumbers are required to purchase a surety bond to receive a commercial plumbing license. Surety bonds are a financial guarantee to the public. If something goes wrong while completing a customer’s plumbing job, they can seek compensation through your bond (up to the value of the bond).

Surety bonds are designed to protect customers or other members of the general public, not your business. General Liability insurance protects you and your small business. It can provide additional compensation to your customers beyond the value of your surety bond.

Does General Liability insurance protect my tools and equipment?

No, General Liability insurance does not cover damage to your tools and equipment. It does provide coverage if you accidentally damage tools or equipment belonging to a third party in the course of your work. For example: You knock over a ladder on a worksite and damage tools belonging to another contractor that were sitting on top the ladder. General Liability insurance would provide compensation to the other contractor if they make a claim against you.*

* The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this webpage is general only.  Coverage for claims on the policy will be determined by the insurer, not BizInsure, and will depend on the specific facts and circumstances involved.

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VALERIE M.
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
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00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
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04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
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MOVING FORWARD, I WILL BE SENDING ALL OF MY BUSINESS TO THIS COMPANY !!!! Incredible customer service!!! Thanks
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19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
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Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
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00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
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18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
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19:51 20 Apr 21
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Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
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19:04 16 Mar 21
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23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
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17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
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Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
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Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
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16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
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19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
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02:41 27 Aug 20
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Nancy S.
00:47 26 Aug 20
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02:03 04 Jun 20
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Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
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22:11 08 May 20
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01:30 05 May 20
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Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
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17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
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23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
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22:12 23 Jun 17
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