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Plumber Standing at WorkbenchBusiness insurance is perhaps one of the best investments you can make as a company owner to safeguard your company's future. Today, it is very common for people to sue a business if they feel as though they've lost money or possessions. Mistakes happen even to the best companies. As a plumber, you need specialized business insurance that addresses the types of risks your company faces during the normal operation of business.

What Business Insurance Do Plumbers Need?

Whether you are a large organization or a single plumber providing a service, you need coverage to safeguard the information and services you provide to your clients and third parties. Consider these types of coverage for your organization:
  • BOP: A Business Owner's Policy is often an adequate option for smaller plumbing companies. It may help to cover your property while also providing basic liability insurance. This policy should also include business income coverage for times when you cannot operate due to a covered loss.
  • Commercial Auto: Most plumbers have fully-equipped trucks to take them back and forth to client locations. Not only do you need commercial auto insurance to protect from liability risks (as well as the value of the truck itself), but you also need coverage to safeguard against losses to your equipment that's onboard.
  • Employee Coverage: If you have employees operating as a part of your business, you'll also need coverage to protect them. Workers compensation insurance may be necessary. You may also need Employment Practices Liability Insurance (EPLI) to protect you from employee lawsuits.
In addition to these areas, some plumbing companies may wish to extend their general liability insurance further. Commercial umbrella insurance or professional liability insurance can help you to do this. These forms of business insurance can help to offer more coverage at a higher coverage limit. For example, if a mistake occurs during your repair, and it damages the structure you're working on, you may have to pay hefty costs to cover those damages. These coverages can mitigate these costs.

The right type of business insurance for plumbers should be customized to meet their individual needs. Is your protection enough? If you are not sure, it may be time to take a closer look.

Call Affordable Insurance Group at (803) 798-4499 for a free Columbia SC business insurance quote.
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