Choice Insurance Agency
Plumbing Insurance in Massachusetts
Offering customized insurance solutions in Massachusetts and beyond.
What is plumbing insurance?
Plumbing work can be a fulfilling and financially successful career path, but it’s work that comes with certain risks. From car accidents to equipment theft, plumbing insurance may protect plumbers in Massachusetts from many risks that they face.
Plumbing insurance offers tailor-made coverage for plumbers and their businesses. A policy will usually cover both liability and property risks, allowing plumbers to customize protections as needed.
Who in Massachusetts needs plumbers insurance?
Most plumbers in Massachusetts should have plumbers insurance. Not getting a policy can result in major financial costs if something major happens, and this tends to be the best option for plumbers. For instance, these policies are regularly purchased by:
- Residential plumbers
- Commercial plumbers
- Self-employed plumbers
- Local plumbing businesses
- Statewide plumbing businesses
Businesses that offer plumbing and other services might need a slightly broader policy. An HVAC business that does plumbing probably should have a policy that covers both HVAC work and plumbing, for example. Getting the right plumbing coverages is important regardless of what other services are offered, though. An insurance agent who specializes in plumbers insurance can help plumbers make sure they get the coverages they need.
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What insurance protections should plumbers get?
The exact coverages that plumbers should get depend on their situation. In most cases, however, several protections are advisable:
- Commercial Property Coverage: Usually insures buildings, plumbing equipment, tools, supplies, and fixtures that a plumber owns.
- Inland Marine Coverage: Usually insures plumbing equipment, tools, supplies, and fixtures while they’re transported to or from customer locations.
- Installation Floater Coverage: Usually insures job-specific supplies and fixtures, from the time of purchase until they’re fully installed.
- Commercial Auto Coverage: Usually insures work vans or trucks owned by a plumber’s business.
- General Liability Coverage: Usually insures against third-party injuries or property damage resulting from basic accidents that a plumber causes.
- Errors and Omissions Coverage: Usually insures against incorrect or errant advice that a plumber gives to their customer (E&O coverage).
- Commercial Umbrella Coverage: Usually provides additional insurance protection, offering another layer of liability coverage beyond what other protections provide.
Does plumbers insurance cover working with gas?
Plumbers who work with gas supplies and appliances should consult an insurance agent who understands plumbers insurance well. Some policies may cover gas work, but others might not. It’s important for plumbers who offer gas services to be sure that their chosen policy covers this type of work.
Can a plumbing policy cover both residential and commercial work?
Yes, many plumbing policies are able to cover residential and commercial plumbing work. An experienced insurance agent can check what policies would cover both services.
How can plumbers get a certificate of insurance?
Sometimes customers want to see a certificate of insurance (COI) before hiring a plumber. This is a document that generally shows a business, a plumber in this case, has insurance.Â
Should a customer request to see a COI, the document is easy to obtain. An insurance agent can get one from the insurance company underwriting a plumbing policy. The process is usually quick, and the certificate can often be sent via email.
How much do plumbers pay for insurance?
The insurance premiums that plumbers pay vary quite a lot. They’re affected by factors such as a business’s size and location, the services offered, any buildings and equipment that’s owned, and the business’s recent insurance claims history.Â
An independent insurance agent can check what different insurance companies would charge in a given situation.
Where can Massachusetts plumbers find plumbing insurance?
For assistance finding plumbing insurance, contact the independent insurance agents at Choice Insurance. Our Massachusetts agents will work closely with you, to find a plumbing policy that’ll protect you and your business well.
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