Pluming is a great career that can be very rewarding to many people. If you are an independent plumber running your own business, however, you will need to make sure you know more than just how to fix the pipes. You’ll need to carry plumbers general liability insurance in order protect yourself and your company’s assets in the event that you are sued or there is a problem related to the work you performed.

Whether you’re just starting out and need general liability insurance for the first time or you’re looking to switch insurance companies for better coverage or lower prices, we are here to help. Our team of insurance experts can help companies throughout New York, CT and NJ find the exact type of insurance they need and at the best possible prices. This includes plumber’s general liability insurance for any size business.

Determining Costs for Plumber General Liability Insurance

As you would expect from any type of insurance, the costs associated with plumber general liability insurance will vary greatly depending on a number of factors. If you work exclusively on residential homes, for example, the costs will likely be lower than if you also work on larger commercial buildings. Most plumbers will need to carry at least $1 million in insurance in order to qualify for many jobs.

Your history as a plumber can also have an impact on the costs associated with your policy. If you have a long history as a plumber with few problems, you will likely pay quite a bit less than a new plumber or one with a questionable history.

What is Covered by Plumber General Liability Insurance

Another thing you’ll want to learn about is what is covered by your policy. The following are the six standard ‘categories’ of coverage that a plumber general liability insurance policy covers:

• Independent Contractors Liability – This will cover the costs associated with any damage that are caused by the acts of any independent contractors that are hired by your business.
• Medical Coverage – If someone is injured on your property this category of coverage will pay for the medical expenses of the person who was injured.
• Advertising Coverage – If you run an advertisement that causes harm to others (competitors, for example) it will be covered.
• Personal Injury – Any damage to the reputation or the rights of any individual or business will likely be covered. This includes coverage for things like slander, libel, copyright issues and more.
• Bodily Injury – If someone is physically injured at your business or because of your business at a client’s site it will be covered. This is one of the main types of coverage and what many people fist think of when considering plumber general liability insurance.
• Operations/Product Coverage – If there is a loss caused by the work you have already completed it will be covered in this category. This could be needed if you install new pipes and then they start leaking a few weeks later, causing damage to the property.

As you can see, plumbing contractor’s liability insurance covers a lot and is needed to do just about any type of job. For most plumbers in New York, CT and NJ this type of insurance is required to take on any professional jobs. If you’re interested in learning more, please get in touch with our team so we can help find you the perfect policy for your specific situation.