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.
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.
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:
- Complete our online application – Usually 10 questions or less!
- Compare quotes – Our insurance partners are rated A or higher.
- 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!
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.