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Plumbing Insurance

As a plumber, you provide specialized services to your customers, and so you face unique risks. It can be a messy job, from installing water fixtures to repairing sewer and drainage lines in and around buildings. Whether you are a plumber, pipe fitter, or general contractor who hires these professionals, it’s wise to acquire plumbing insurance.

The basic policy for a small plumbing company may bundle the following coverages in a business owner policy (BOP):

General Liability Insurance
This will cover damages, injuries, or lawsuits that result from accidents or mistakes while performing plumbing work.

Property
Tools and equipment can be expensive. If either of these were damaged or stolen, you would receive financial help to repair or replace them so that you do not have a lapse in business.

Loss of Income
Some things you cannot always control. If a peril or incident causes you to be out of business for a period of time, you can rely on your insurance to step in and help. You can be reimbursed for business income loss up to one year for a covered business interruption.
Additional coverage policies include:

  • Workers’ Compensation
  • Commercial Vehicle Insurance
  • Plumbers Liability
  • Additional Liability

It is easy to forget about necessary insurance when the business is running smoothly. However, you will need to fall back on this reliable insurance in the event of a claim or incident that could hinder your business. Get started on your tailored coverage from Contractors Insurance Agency.

Our Plumbing Contractors Program includes...

  • $5,000 Builders’ Risk/Installation Coverage …………………………………. $250 deductible
    Includes: Loss of Rental Income, Scaffolding and Construction Forms, Soft Costs, Testing, And Property in Transit and in Storage at Unscheduled Locations
  • $2,500 Contractors Portable Tools – $1,000 per tool …………………………………. no deductible
  • $2,500 Accounts Receivable …………………………………. $100 deductible
  • $2,500 Valuable Papers and Records …………………………………. $100 deductible
  • $2,500 Damage to Property Being Worked Upon and Property Borrowed …………………………………. $100 deductible

Included with Property Coverage...

  • Business Income and Extra Expense – Actual Loss Sustained ………………………………….  no waiting period
  • $2,500 Money and Securities …………………………………. $100 deductible
  • $2,500 Signs Attached to buildings …………………………………. $100 deductible
  • $2,500 Outdoor Property – Broad Causes of Loss
  • $10,000 Electronic Data Processing Equipment – Additional Causes of Loss
  • 5% Building Inflation Guard
  • 25% Temporary Business Personal Property Limit Increase

Optional Coverages

Employment Practices Liability Insurance (EPLI): Provides financial protection from a variety of employment related lawsuits. EPLI also pays for your defense costs. With EPLI coverage you also have exclusive access to a hotline and website with expert consultation services in the employment practices area.

Contractors Errors and Omissions Coverage : Provides claims-made coverage to eligible contractors for loss due to the insured’s error, omission or negligent act from a defect in material or in a product sold or installed by the insured. Consequential loss is also covered.

“You saved me $24,903! Great service since 1998! You work hard to save me money.”

Greg Fenner, Fenner Plumbing, Inc.Berrien Springs, MI