Plumbing insurance covers contractors that build, repair, and replace plumbing and piping to connect to water supplies, gas utilities, sewage connections, appliances, sprinkler systems, and irrigation systems. Other services that a plumbing contractor may offer include retail sales of hardware and even appliances, as well as kitchen and bathroom remodelling. However, general liability insurance, also known as Commercial General Liability (CGL), is suggested for plumbing experts and may protect your firm from claims of physical injury, related medical bills, and property damage made by another person or business. These sorts of claims may emerge if one of your clients gets hurt as a result of the work you performed in a residential house or commercial enterprise. It might also come in useful if you or one of your staff damage a client’s property during an installation operation. The following are some instances of plumbing insurance claims made against a general liability policy:
- Physical harm occurs when you install a hot water heater and the temperature control fails. A individual in the house has been scalded and needs medical assistance for burns. The client holds you accountable. You may be liable for medical expenses, but your plumbing insurance coverage may cover such expenses, safeguarding both you and your business.
- Property damage, you failed to properly secure a connection when installing a new kitchen sink, and water spills into your customer’s house overnight, destroying their cabinets and beautiful wood floors. A plumbing insurance coverage might cover the costs of property damage, so safeguarding your company.
- A personal injury has occurred while one of your workers is at lunch. He tells the business owner a phoney and unpleasant story about one of your clients. When the client hears of the conversation, he sues for defamation. They will cover the future claim up to the limitations of responsibility in your general liability insurance, and they will pay for an attorney to defend you if required.