Get a Quote for Commercial Plumbers Insurance

What Coverage

does your business need?

As a small-business owner (or someone thinking about opening a small business), your head is probably spinning over the choices when it comes to the types of insurance coverage your company needs. It’s important how each type of coverage protects you, your employees and your business.

Commercial Plumbers 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 person?


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 agent:


Plumbers Business Property Insurance.

Small business property 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 mentioned.


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.