Plumbers Insurance in Texas
You’ve established yourself as a plumber who knows his stuff. Plumbers like you need an insurance policy that protects against the risks associated with your trade. Because of your business, you have unique risks that without proper protection, could result in a business ending claim against you. Protecting yourself from financial hardship is what having the right plumbing insurance policy is all about!
Who should carry a plumbing insurance policy? Well, if you work as a:
- Plumbing contractor
- Pipe fitter
- Septic Installer
- Sprinkler System Installer
- Home Builder
- Developer
- Remodeler
- Handyman
Depending on your business, many other people will want to carry an insurance policy that includes:
Talk to an agent in our office today if you’d like to insure your plumbing business. Protection is the key to ensuring your business stays afloat in the event of a claim or mishap.
Frequently Asked Questions
Can plumber insurance cover accidental water damage at a customer’s property?
General liability insurance may respond to certain covered claims involving accidental property damage or bodily injury. Whether a water-damage claim qualifies depends on its cause and the policy’s terms.
Are plumbing tools and equipment covered at jobsites?
Coverage may be available for eligible tools, cameras, drain-cleaning machines, and other equipment stored at a shop, transported between jobs, or used at customer locations.
Does insurance cover plumbing problems discovered after work is completed?
Products-completed operations coverage may respond to certain covered claims arising after work is finished. It should not be assumed to cover faulty workmanship, replacing defective work, or contractual guarantees.
Are subcontractors covered under a plumbing company’s policy?
Subcontractors are not necessarily covered automatically. Texas plumbing contractors should review written agreements, certificates of insurance, additional insured requirements, and subcontractor exclusions.
Are sewer, septic, or excavation services automatically covered?
Not necessarily. These operations may present risks beyond ordinary plumbing work and can affect insurance eligibility. Plumbers should provide a complete list of their services when requesting coverage.