Plumbers Liability Insurance


What would happen to your plumbing business if all your profits went down the drain

as a result of a lawsuit? Do you have the financial pockets to pay for a flooded

home or business that resulted from a defective part you installed? On the other

hand, could you pay the medical benefits and possible defense and court costs as

a result of accident with your plumbing company van that caused an injury to another

Whatever the situation, having plumbers liability insurance can help your business

stay above water should the unfortunate happen. It’s a risk management solution

that every plumbing contractor or plumbing business owner should have.



In combination with plumbers liability insurance, every plumbing contractor should

discuss their need for the following additional coverages with their BOLT insurance

Plumbers Business Property Insurance.

Small businessbproperty insurance is insurance that protects the assets used in your plumbing business

(both tangible and intangible) as well as your inventory and materials used in your

business. This includes your office, computers, plumbing tools and plumbing supplies.

Also known as commercial property insurance, business property insurance provides

protection against damage or loss from a theft or accident


Plumbers Commercial Vehicle Insurance.

More likely than not, you use a commercial vehicle to operate your plumbing business.

The main purpose of commercial vehicle insurance is to provide protection from car, truck,

or van vehicle damage from a traffic collision or liability from such collision.


Plumbers Inland Marine Insurance.

Small plumbing businesses whose employees repair, clean, or service residential or

commercial plumbing need inland marine insurance. This insurance with a unique name

protects plumbing tools and inventory while in transit or in storage. Inland marine

insurance also provides protection against theft of tools stolen from a truck or van, at the

work site, or in storage.


Plumbers Workers’ Compensation Insurance.

Workers compensation insurance is a type of business insurance that is

required in most states for employers who have employees. For a plumbing business,

this type of insurance provides medical benefits payments and wage replacement to

employees harmed in the course of their duties. In return for relinquishing their

right to file a lawsuit against the plumbing business owner they receive the benefits




All in all, plumbers liability insurance keeps your business assets safe, protects you against a financial windfall, and in some cases is mandated by law.