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What is plumbing insurance?
Working as a plumber comes with certain unavoidable risks, ranging from potential theft to possible car accidents. Plumbing insurance may help plumbers in Texas protect their businesses from many of the risks they face.
Plumbing insurance is a commercial insurance specifically designed for plumbers and their businesses. Policies usually cover a variety of property and liability risks.
What Texas businesses does plumbers insurance make sense for?
Plumbers insurance is usually the right choice for plumbers and plumbing businesses. Not insuring a Texas business can have severe consequences, and this tends to be the best option for plumbers. For instance, these policies are frequently purchased by:
- Residential plumbers and commercial plumbers
- Individual plumbers who are self-employed
- Local plumbing businesses with a small service area
- Large plumbing businesses serving multiple cities
In some cases, businesses that offer plumbing and other services might need a slightly different insurance policy. In particular, HVAC businesses that do plumbing may need a broader policy that has additional protections for HVAC equipment and work. For plumbers, though, a plumbing policy is typically the right choice.
What insurance coverages should plumbers look for?
Plumbers insurance can offer multiple helpful protections. Some coverages that plumbers often get are:
Possible Coverages Available
- General Liability Coverage: Normally covers third-party injuries or property damage resulting from common accidents.
- Errors and Omissions Coverage: Normally covers incorrect or errant professional advice provided to clients (E&O coverage).
- Commercial Umbrella Coverage: Normally covers especially expensive lawsuits with a supplemental layer of protection.
- Commercial Property Coverage: Normally covers buildings, plumbing equipment, supplies and fixtures that a plumber owns.
- Inland Marine Coverage: Normally covers plumbing equipment, supplies and fixtures while they’re being transported to or from job sites.
- Installation Floater Coverage: Normally covers job-specific plumbing supplies and fixtures from the time of purchase until they are fully installed.
- Commercial Auto Coverage: Normally covers vans or trucks owned by a plumber’s business.
General Liability Coverage
Errors and Omissions Coverage
Commercial Umbrella Coverage
Commercial Property Coverage
Inland Marine Coverage
Installation Floater Coverage
Commercial Auto Coverage
Do plumbers policies cover working with gas?
Some plumbers policies offer coverage for working with gas, either as a standard or optional part of their protections. Not all policies provide such protection, though.
Plumbers who repair and install gas pipes or appliances should talk with an insurance agent who knows plumbers policies well. A specialized agent should be able to find a policy that covers this type of work.
Can a single plumbers policy cover both residential and commercial work?
Many plumbers policies can be set up so they cover both residential and commercial work. This is something that a knowledgeable insurance agent may help with.
How can plumbers obtain a certificate of insurance?
A certificate of insurance (COI) may be requested by a customer, and some customers might only hire plumbers who can provide a COI. This is especially common among commercial customers, although select homeowners might insist on the document too.
The purpose of a COI is to confirm that a business, in this case a plumber, has insurance. It’s most often used to confirm liability and/or workers compensation coverages, but can show other coverages too.
It’s normally a good idea to have a COI on file for whenever customers ask to see it. Plumbers who don’t currently have the document, however, can ask their insurance agent to get it. An agent can likely get the document in a day, although sometimes it can take two or a few business days.
How much does plumbers insurance cost?
The cost of plumbers insurance varies based on factors such as the types of services, business size, location, and claims history. Plumbers can get accurate quotes from several insurance companies by working with an independent insurance agent. Independent agents are able to check customized quotes from several insurers, making it easy to find out how much insurance will cost.
Where can plumbers in Texas find plumbing insurance?
For help with plumbing insurance in Texas, reach out to the independent insurance agents at McKnight Insurance. Our agents will make sure you find a policy that keeps you and your business protected well.
McKnight Insurance Services Independent Agency in Mansfield Texas
Get in touch with one of our team members for questions or quotes!
