Plumbing Insurance

Do Plumbers Need Insurance?

Plumbers can have tough jobs. And with every client call comes risks as you work. That’s why having the right business insurance is important. We’ve created coverages made specifically for plumbing businesses and are here to help cover you and your team.

Who Needs Plumbing Insurance?

Our plumbing insurance can help protect:

Plumbing contractors
Septic system construction workers
Drainage system installers
Sewer hookup contractors
Piping & plumbing contractors
Sump pump installation and servicing contractors
Water pump installation and servicing contractors
Water system balancing and testing contractors

Cost of Small Business Insurance for Plumbers

Many factors determine your insurance cost, like your:

Industry
Type of assets
Property owned
Number of employees
Size of payroll
Claims history

What’s the Best Plumbing Insurance?

Finding the right insurance for your small business starts with knowing what you need. Many plumbing businesses benefit from a Business Owners’ Policy (BOP), which combines these three coverages into one policy:

Commercial property insurance which helps cover your business’ physical location and its equipment, whether you own or lease your property.
General liability insurance to help protect you from claims of bodily injury or property damage.
Business income insurance for help recovering lost income if you can’t run your business because of damages from covered events, like a fire.

You can also bundle other types of insurance into your BOP, like data breach coverage or professional liability insurance.

Covering Your Plumbing Operations

From injuring yourself at the office to causing water damage while you’re fixing a client’s sink, plumbers face a variety of risks. Our insurance coverages can help keep your business protected.

There were 39.5 million physician office visits for unintentional injuries in 2016.¹

Customer Injury

“A customer stopped in to pay her bill. As she walked through the front door, she slipped on a wet spot, falling and spraining her ankle.”

General liability insurance helps protect your business from claims of bodily injury and property damage. It helps pay for:

Slip and fall accidents
Property damage
Legal expenses to defend your business in a lawsuit
Judgments and settlements from a customer or client’s lawsuit

Data Breach

“We store all our customer information digitally. Recently, our virus software expired before we had a chance to update it and within days, a virus got into our system, exposing our customers’ credit card numbers.”

Data breach insurance can help cover the costs of responding to a data breach. It can help pay for notifying impacted customers or employees. It can also help pay for a public relations firm.

Taking Care of Your Plumbing Team

Most plumbing businesses rely on a team to stay successful. That’s why it’s important to find plumbing insurance that covers all aspects of your small business, making sure your employees are taken care of while they work. Having the right kind of coverage allows you to have peace of mind as a business owner.

In 2018, there were 29,370 nonfatal workplace injuries for general maintenance and repair workers.²

Employee Injury

“One of my plumbers was fixing a pipe in a basement ceiling when he fell off the ladder and broke his leg. He was taken to the hospital by ambulance and had to take a few months off to recover.”

Workers’ compensation insurance can help pay for your injured or ill employees’:

Medical costs
Disability benefits
Lost wages

Missing Tools

“My crew stopped to get lunch before their next job. When they got back to the truck, they found the windows smashed in. Sure enough, all of our tools had been stolen.”

Contractors equipment insurance covers damaged or missing contracting equipment and can extend beyond simply covering equipment to also cover small tools, employees’ equipment and clothing, plus borrowed equipment.

Protecting Your Plumbing Property

Plumbing businesses require a lot of money to run. From the equipment to company cars and your building space, it’s a big investment to be a business owner. We know what it takes to keep your small business going, and that’s why we’ve created insurance protection made to keep you covered.

From 2015 to 2019, transportation incidents were the leading cause of work-related fatalities.³

Employee Car Accident

“One of my assistants was on her way to pick up an order of parts when she accidently rear ended the car in front of her. The other driver wasn’t injured, but did have damage to his car.”

Commercial auto insurance can help pay for the cost of an auto accident if you or your employee is a fault.

Equipment Damage

“All of our tools get put in our storage room at the end of the day. So when the restaurant next door to us caught fire and spread into our building, we had thousands in damaged equipment.”

Business property insurance can help protect your:

Building
Equipment
Tools
Inventory
Furniture
Personal property

Some hazards this coverage helps protect you against, include fire, theft and lightning strikes.