Texas Plumbers Insurance or General liability insurance, sometimes called Commercial General Liability (CGL), is recommended for plumbing professionals and may protect your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. These types of claims could arise if one of your customers is injured based on work that you have done in a residential home or commercial business. It could also come in handy if a client’s property is damaged by you or one of your employees during an installation job. Here are some examples of what could go wrong and how it could be covered with liability insurance: Bodily injury: You install a hot water heater, and the temperature control malfunctions. A person in the home is scalded, requiring medical attention for burns. The client claims you are responsible. You could be on the hook for medical costs, but your plumbing insurance policy could cover those costs, protecting you and your business. Property damage: While installing a new sink, you neglected to properly tighten a connection and water leaks into your customer’s home overnight damaging their cabinets and new wood floors. A plumbing insurance policy could cover the costs associated with the property damage, thereby protecting your business. Personal injury: One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your general liability policy's limits of liability, and pay for an attorney to defend you if necessary. Situations like the ones above are very unfortunate, but they do happen. (Hiscox)
There are many different coverage needs for plumbers. Please contact us to find out available coverage and cost.
Plumbers need commercial auto insurance to protect their business from lawsuits and claims due to accidents, acts of nature, and theft. A personal auto policy will not protect a business as most personal auto policies have exclusions for business use.
As a plumber the tools of your trade can be expensive and if not covered correctly the loss of your tools due to theft can be devastating to your business. Your home policy will not cover business tools away from home, and usually there are limits of coverage for business tools at home. We can cover your tools with an inland marine policy to give you coverage anywhere.
Cover your employees for injury on the job with Workers Compensation Insurance. If you have workers’ compensation insurance, you’re protected from most lawsuits by injured employees. If you don’t provide workers’ compensation coverage, you lose the legal protection against most lawsuits. This means an injured employee can sue you over a workplace injury or illness.
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Located in Springtown, Texas. Licensed in Texas since 1996
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