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What is Plumbing Insurance?

Plumbing businesses and professionals who work in this field are exposed to a range of potential risks, which include property, liability and other possible risks. Plumbing insurance helps plumbing businesses in Massachusetts shield themselves from many of the risks that they’re exposed to. 

Plumbing insurance is a specialized type of commercial insurance that’s designed to meet the needs of plumbing businesses and plumbers. Policies are typically written as package policies that bundle multiple coverages together, and businesses usually can adjust the coverages in their particular policy to suit their situation.

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What Massachusetts Businesses Need Plumbers Insurance?

Broadly speaking, the majority of Massachusetts businesses and professionals that provide plumbing services should carry plumbers policy. Few businesses are free of risk, and not having insurance can leave businesses dangerously and unnecessarily exposed to risks that they could otherwise mitigate.

Some specific examples of businesses that this insurance might be well-suited for include:

  • Plumbers who are self-employed
  • Employees of plumbing businesses that do side gigs on their own
  • Businesses that offer commercial plumbing services
  • Businesses that offer residential plumbing services

Additionally, businesses that primarily do other types of work but occasionally address plumbing issues may also need this type of insurance. For example, remodelers, general contractors and homebuilders who install or replace plumbing systems might need a plumbers policy.

Businesses and professionals who don’t know whether they need plumbers insurance can speak with an insurance agent who knows this commercial insurance. A specialized agent will have the expertise necessary to make an informed recommendation based on a business’ particular situation.

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Do Subcontracting Plumbers Need Their Own Plumbers Policy?

Plumbers who work for other businesses in a subcontracting role generally ought to have their own plumbers policy. Subcontractors frequently aren’t covered by another business’ insurance policy, and they don’t have total control over that policy’s included coverages even if they are. In most cases, purchasing their own plumbers policy is the best way for subcontractors to make sure they have the insurance protections that they want.

What Coverages Do Plumbers Insurance Policies Offer?

While the precise coverages that plumbers insurance policies offer can vary, there are several coverages that policies frequently offer as standard or optional protections. Some of these are:

  • General Liability Coverage, which may cover common accidents and certain liability lawsuits
  • Errors and Omissions Coverage, which may cover claims related to errors made in work
  • Commercial Umbrella Coverage, which may extend supplemental liability coverage
  • Commercial Property Coverage, which may cover a business’ facilities and/or equipment
  • Inland Marine Coverage, which may cover equipment as it’s transported to or from job sites
  • Installation Floater Coverage, which may cover supplies between the time of purchase and installation
  • Commercial Auto Coverage, which may cover company-owned vehicles that are used for work

In addition to these, businesses may also want business interruption coverage, employment practices liability coverage, cyber liability coverage, or any number of other protections. An insurance agent who’s familiar with the needs of plumbing businesses can help businesses decide which coverages they should have.

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Do Plumbers Policies Come with Workers Compensation?

Most plumbing businesses that have paid employees are required by state law to carry workers compensation for their employees, and even some plumbers who are self-employed might want this coverage. Workers compensation normally covers lost wages and medical costs of employees that are associated with on-the-job injuries or illnesses, and most anyone in this field could sustain an injury.

Workers compensation often isn’t purchased within a plumbers policy, however. Instead, it’s frequently obtained via a stand-alone policy that provides this one coverage. Most agents who are familiar with plumbers policies can also assist with finding workers compensation if it’s needed.

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How Can Massachusetts Plumbers Get Plumbing Insurance?

For help insuring yourself as a plumber or your plumbing business, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents are able to get you plumbing insurance quotes from multiple insurance companies in Massachusetts, and they have the expertise necessary to help you select the best available option.

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