Commercial Plumber Contractor General Liability Insurance

If you work as a commercial plumber contractor, then we don't need to even bother listing all of the things that can go wrong. From moldy walls stemming from neglected leaks to flood damage and so on, the job can be a lot more complicated than you'd expect. What they tell you is that the job mainly consists of sticking pipes together so that people can have running water in their homes, but the reality of the work can get very messy very quickly.

The irony of the job: Being prepared for everything means acknowledging that you can't be prepared for everything. There will be issues that you can't prevent, and problems that you can't fix with the tools in your truck. You're probably going to have a robust insurance package to ensure that you are protected against a wide range of mishaps and unforeseen circumstance, from professional liability to insurance for your work vehicle and tools. And of course, your commercial plumber contractor general liability insurance policy will serve as a foundation for that insurance plan.

If you've never looked into the fine print of your insurance package, your general liability policy is the part that protects you against a lot of the most disastrous and expensive claims. These will generally include the following:

  • Faulty installations. We all know that plumbing isn't always a precise science. The glue you use might wind up being recalled because it has a tendency to get brittle and crack after only a year or so. You might wind up installing a pipe that had a manufacturing defect. But, the first person who shoulders the blame following a faulty installation is usually the plumber. You need protection against these claims.
  • Property damage. So nobody told you that the electrician got creative and hid the wiring inside a PVC pipe where a water pipe should go, and now the client is looking at you and your crew like you're the Three Stooges. Property damage happens. Flooding, expensive repairs and damaged walls can happen as a matter of course even on the most routine jobs.
  • Injury. Maybe it's not your fault that the client decided to go running across the slippery, wet bathroom floor, but that doesn't seem to stop them from wanting to sue you. That's where injury liability protection comes in.
These aren't the only things that can go wrong on a job. There's a lot more to plumbing than just patching up leaky pipes and installing new sinks. There's quite a bit that can go wrong at every level of the business, from on-the-job mishaps to problems at the office. Running your own company isn't easy, and even when everything goes right you can start to feel like lawyers are seeing a target on your back.

But, a general liability policy is probably going to be the policy that you wind up leaning on more often than the others. All those worries you have about the liability issues that you'd never be able to pay for out of pocket, that's what general liability covers.

Contact a local insurance agent to help you figure out what’s best for you.
Empire Underwriters, LLC
Contractor General Liability & Property Insurance Package – AXV

Small contractors are constantly looking to save money where they can. They also want to protect their company as well as it assets from accidents that could cause financial pitfalls. Empire has a comprehensive solution to better help you clients pro...
Empire Underwriters, LLC
Contractor General Liability Insurance – Monoline AXV

Contractors can have a wide range of General Liability Insurance needs, depending on the industry and stage at which the job is at. Your clients are looking for affordable Contractors General Liability Insurance plans that are also flexible for their...
Ck Specialty Insurance Associates, Inc.
Contractors /Construction Insurance

Coverages include, but are not limited to: Primary General Liability with higher limits available Excess Liability Professional Liability (E&O) Pollution Property Inland Marine - tool coverage  Risk appetite include...
Gladius Insurance Services, LLC
Contractors Casualty Insurance

Gladius is a nationwide surplus lines broker providing retail agencies with a wide variety of contractor’s general liability, excess and pollution coverage. We have extensive industry experience and work hands on with our retail agents to p...
Ck Specialty Insurance Associates, Inc.
Contractors Insurance

Contractor's Insurance Highlights General & Artisan Contractors  Residential & Commercial Low minimum premiums ($500) New residential construction No limits on tracts on tracts or developments  Quick Turnar...
Ck Specialty Insurance Associates, Inc.
Contractors Insurance

Coverages include, but are not limited to:   General Liability Excess Liability Professional Liability (E&O) Pollution   Risk appetite includes, but certainly is not limited to:   Remodel Contractors Art...
Burns & Wilcox Ltd.

If a lawsuit is involved, defending and settling a general liability (GL) claim can average more than $75,000 per case. With 35 percent of GL claims resulting in a lawsuit, one incident could be disastrous for your clients. Slip-and-falls are th...
Empire Underwriters, LLC
General Liability Insurance for Plumbers

Could your clients plumbing business survive a lawsuit? No matter how careful they run their business safely and to perform only quality work, there are sometime circumstances that could put you at risk for legal action. A defective part, that was in...
Empire Underwriters, LLC
Plumbers Workers Compensation Insurance

Empire Underwriters provides Workers Compensation Insurance designed specifically for a plumbing company. We work with you and your clients to determine the coverage best suited for your clients business and help then to secure quality plumbers worke...
Cochrane & Company
Specialty Contractors Insurance Program

Cochrane & Company is excited to offer an exclusive Specialty Contractors Insurance program, which is backed by a company with an AM Best Rating, A+XV. Our Specialty Contractors Insurance program is designed to accommodate a specified number of ...
Continental Risk /Continental Marine Insurance Services
Artisan Contractors including New Residential

Artisan Contractors-Some program highlights: 30+ classes including painters, HVAC, electricians and small GCs *Residential and Commercial Contractors *will look at accounts with up to 50% sub-contracting costs *Blanket a/I via CG2033 & CG2037, pri...
J.M. Wilson Corp.
Artisan Contractors Insurance

 J.M. Wilson offers access to A rated markets providing coverage for Artisan Contractors Insurance for a variety of classes including new ventures!  See below for specific coverage details. Phone Quotes Available! Sample Classes for Art...
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.

Insurance for You, Your Family or Your Business 
Quick and simple; secure and confidential. We share your info with only ONE of our insurance experts. Our unique, proprietary process is designed to get you the best local expertise available.

If you are an Insurance Agent, looking to help an Insured, we can help you 
Find A Marketby matching you to our MGA/Wholesaler/Carrier partners.
Further Reading 
The ISO Commercial General Liability Coverage Form can seem like a map that starts you out on a main road, takes you smack into a dead end, but offers you a right turn that you can take if you meet certain conditions. It begins with a broad promise a...
If you are a startup business or a growing business, chances are you purchased the least amount of insurance so your cash flow stayed manageable. Often, after your first meeting with your insurance agent, or bought your insurance online, you haven...
The ISO Commercial General Liability Coverage Form can seem like a map that starts you out on a main road, takes you smack into a dead end, but offers you a right turn that you can take if you meet certain conditions. It begins with a broad promise a...
Although frequently contested as exclusions, defective construction claims are being scrutinized by the courts using various legal theories. Traditionally, poor workmanship did not fall under the definition of an occurrence. Poor workmanship is...
The remodeling projects you perform as a contractor transform your client’s house into a home. You face several potential liabilities as you perform your job, though, so consider several tips that reduce your risk. Purchase Adequate Contractor Ins...