Plumbing Contractor Insurance provided by Browne Insurance Services

Plumbing insurance gives protection against a wide variety of risks routinely faced by plumbers and plumbing contractors. Adequate protection is essential since one small mistake or accident could result in damages that drain a small business’s finances beyond recovery.
What is Plumbers Insurance?

Plumbers insurance is tailored to be made up of a bundle of policies that offer the best protection against common risks that plumbers face in their day-to-day work, like accidentally damaging a customer’s property.

All contractors benefit from having insurance, and plumbing contractors may benefit the most. As a plumber, you are often called to work on older systems that are delicate but in need of repair. A mistake in your work can cause tens of thousands of dollars in damages. To protect your business and your livelihood, it makes sense to have plumbing contractor insurance. General liability insurance can protect your business from mistakes you make; otherwise, those costs might have to come out of your own pocket.

What Type Of Insurance Plumbing Contractors Need?

When plumbing contractors get an insurance package, there a few options for coverage that are usually recommended. These ensure that your business is as protected as possible. You might notice:

  • General Liability
  • Tools Coverage
  • Auto Insurance
  • Bond

While these are the most common insurance policies in the plumbing business, there are other coverages that plumbing contractors might find helpful. Lost wages coverage may be helpful in making up for lost revenue after a major loss causes a temporary stop in your business operations.

Cost of 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

Plumbers face risks on the job every day – from fixing hot water heaters to working in confined spaces. With the right business insurance coverages, you can have peace of mind knowing you and your employees are covered as you work.

Contact us to keep your plumbing business covered with the right coverages

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As an independent agency, Browne Insurance Services
Helps you find the right Plumbing Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

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  • General Liability
  • Commercial Property Insurance
  • Commercial Auto
  • Worker’s Compensation
  • Inland Marine Insurance

General Liability Coverage

Risk Factors

While repairing a client’s shower, your employee accidentally damages the shower wall. You will have to pay for the damages.

Solution

Your general liability policy would cover the cost of repairs for the damages done by your employee.

Commercial Property Insurance Coverage

Risk Factors

A fire breaks out in your office complex and spreads to your storage area, destroying much of your equipment and tools. 

Solution

Your commercial property insurance would help you cover the loss

Commercial Auto  Coverage

Risk Factors

If any of your company vehicles are involved in an accident, you have to pay for third-party bodily injury, property damage, or pollution cleanup.

Solution

Commercial Auto policy would cover any expense for the medical care of the other driver and repair his property

Worker’s Compensation Coverage

Risk Factors

While cutting some piping, your employee severely cuts her own hand accidentally. She needs medical care and cannot work until she recovers.

Solution

Workers’ compensation would pay for her medical bills and a portion of lost income while she recovers and is unable to work. 

Inland Marine Insurance Coverage

Risk Factors

Your team has been hired to re-pipe a customer’s home. Because the job will take several days, you leave some of your equipment and tools on the job site. Over the weekend, the customer’s home is burglarized, and your equipment is stolen.

Solution

Inland marine insurance covers the equipment your plumbers take with them to perform their work.

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