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Insurance for Plumbers
We understand plumbers—whether your business is large or small, even just a self-employed person. Our plumbers insurance and plumber surety bond options are designed to meet the unique needs of plumbers.
Plumbing Accidents Happen
You're already aware of the potential hazards of being a plumber:
- damage to customer's property
- misunderstood instructions from the customer
- slips, trips & falls
- lost or stolen materials & tools
- project delays
- injuries to customers or employees
Incidents like these can lead to claims for substantial damages. And that could leave you facing hefty legal bills. Without plumbers insurance coverage—which includes plumber liability insurance—you could be out of business.
There are other risks too. Expensive tools have a habit of getting lost, damaged or stolen - and, typically, at just the wrong time. What if you can't afford to replace them immediately? There could be costly delays to the job. But if your plumbers insurance includes tools and equipment coverage, your problems are solved.
And don't forget that if you have anybody working for you - even on a casual basis - you'll need workers compensation insurance as part of your plumbers insurance package.
Chicago Plumber Insurance Covers You Nationwide
Plumbers Insurance is Perfect For:
- Plumbing Contractors
- Plumbing Business Owners
- Pipe Fitters
- Septic Tank Installers
- Sprinkler Installers
- General Contractors
Plumber General Liability Insurance
Unfortunately for every business owner, the chances of getting sued have dramatically increased. A general liability insurance policy that is designed for plumbers can prevent a legal suit from turning into a financial disaster by providing insurance protection in case your business is ever sued or held legally responsible for some injury or damage. Your policy may include:
- bodily injury coverage
- contractual liability coverage
- legal defense costs
- property damage coverage
- products liability coverage
- and more…
Workers Compensation Insurance for Plumbers
Workers Compensation Insurance is designed to help plumbing contractor companies pay benefits to employees who are injured on the job. In most states, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Plumber Surety Bonds
Plumber Surety Bonds are commonly used as an assurance between the contractor and the client as well as between a general contractor and his or her subcontractors.
- License & Permit Bonds
- Bid Bonds
- Contract Bonds
- Subcontractor Bonds
- Payment and Performance Bonds
- and more…
In the state of Illinois, it is required by the Departmant of Public Health that you obtain an Illinois Plumber Surety Bond in the amount of $20,000 before you can be licensed by the State.
Inland Marine Insurance
Any plumbing contractor who regularly moves expensive materials, equipment, or supplies from one job site to another job site should have some type of inland marine insurance. This way, in the event of an accident, the goods or materials being shipped are protected separately from your auto policy.
An umbrella insurance policy plugs holes in your existing coverage. It provides additional protection that kicks in when the primary plumbers insurance coverage has been exhausted.