Why Every Plumber Should Have Plumbers’ Insurance


Being a plumber can come with a lot of on-the-job risks. You never know what can happen when you visit a client’s house, or even on the way to a job. That’s why it’s important to have Plumbers’ Insurance. Whether you’re an independent contractor or a plumbing business owner, you should always keep your company, your employees, and your equipment covered with some sort of Plumbers’ Insurance Policy. Plumbers Insurance is General Liability Insurance with policies that are specific to those who are employed in the Plumbing industry. These policies usually come with many great coverage options to make sure that your wallet never takes a hard hit in unfortunate events.

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Who should get Plumbers’ Insurance Coverage?

  • Plumbing Contractors
  • Plumbing Business Owners
  • Pipe Fitters
  • Septic Tank Installers
  • Sprinkler Installers
  • Renovators
  • Handymen

What’s covered with a Plumbers’ Insurance Policy?

Business Insurance- If you’re an independent contractor or you run a plumbing business, you’ll need to look into Business Insurance for your company. Business Insurance covers your property, your employees, Worker’s Compensation, and utility vehicles that contain your equipment.

Equipment- There are policies that will protect and pay to replace any equipment that is damaged or begins to malfunction.

Plumbers Liability- If a plumber goes on a job and damages pipes or connects them incorrectly; or if the plumber does unrelated damage to a client’s home, Plumbers’ Liability Insurance will cover the cost to fix those issues.

Business Income- If your business property is damaged by a storm or some other natural event and becomes inoperable, this coverage will ensure that you are compensated for any business or income you lost.

Electronic Data- If you lose important electronic data related to your work, it can be expensive to replace. When you have Electronic Data coverage, you won’t have to come out of your own pocket to pay to replace the information.

Valuable Papers- As with Electronic data, if you lose or damage important paperwork like blueprints and schematics, this coverage will take care of the replacement costs.

Employee Dishonesty- This coverage will pay to replace any important equipment that was stolen by an employee. Also covers your company in cases of fraud.

You never know what can happen to you or one of your employees when they’re out on a plumbing job. That’s why out’s best to be prepared for anything with Plumber’s Insurance. If you’d like to see what kind of premium you’re eligible for, go get a Plumber’s Insurance Quote now! Don’t let your lack of insurance be your company’s downfall.


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