We all know that plumbing is not an easy job and that sometimes it can even be dangerous. Not only can it be stressful, but it can be taxing on the body. Unfortunately, protecting against these things can be difficult because they are out of your control – but what you do have control over is protecting yourself from liability with workers’ comp insurance!
Workers’ comp insurance protects against workplace injuries and occupational illnesses. That’s why all plumbing businesses need to have the best insurance available!
What type of insurance should a plumber have?
This insurance is a must-have for any business owner looking to protect their assets. General liability protects your company against claims related to bodily injury or property damage lawsuits. Please take into consideration that injuries are never identical, so they all need individual consideration.
If you’re a company with physical assets, commercial property insurance is something to consider. It’ll protect your business from fires and theft as well as more rare occurrences like storms or burst pipes. However, this type of policy won’t cover earthquakes and floods unless it’s specifically added on.
If you are the owner of a company vehicle, commercial auto insurance is an important consideration. It covers not only damage to your car but also injury that may result from accidents. Some types of auto coverage can be optional, but other types are mandated by state law. Check out what your state requires before deciding on how much or which type of auto insurance you’ll need!
Workers’ comp liability
Workers’ comp insurance protects your business when an employee gets hurt while on the job or gets sick from an occupational cause. In addition, this insurance protects business owners from potential problems when it comes to injury claims.
How much is insurance for a plumbing company?
There is no definite answer to this question because every company has its own specific insurance needs. For example, one plumbing business may only need general liability while another plumbing business may need general liability and commercial auto insurance.
Other factors to consider are what plumbing services your business offers. A different code classifies each operation. Therefore, depending on what operations your business performs decides what kind of insurance package you will receive.
Enforce Coverage Group
If you’re a plumbing contractor, it pays to have the right workers’ comp insurance. But with so many different options available and no easy way to compare them all at once, step one is figuring out what coverage your business needs. We can help! Give us a call today to learn more about how we make sure contractors in New York are protected from liability when they get hurt on the job. It’s never too late for peace of mind–or better yet, two minutes spent browsing our website might save you hours of frustration later on down the road.
Let Enforce Coverage Group know how we can help your business save and get insured! Contact us by clicking here!