Plumbers should consider the following essential coverages:
- General Liability Insurance – protects against third‑party bodily injury or property damage (e.g., water leaks or customer slips).
- Workers’ Compensation – required if you employ team members; covers expenses from jobsite accidents like cuts, burns, or falls.
- Commercial Auto Insurance – necessary when using vehicles to transport tools or materials.
- Tools & Equipment Coverage (Inland Marine) – protects your plumbing tools and equipment during transport or on-site use.
- Professional Liability (E & O) – may be needed if your advice or design service causes a customer financial harm.
- Business Owners Policy (BOP) – combines general liability, property coverage, and business interruption into one affordable package.
Without these, even routine work can expose your business to costly risks.
