{"id":3758,"date":"2023-05-12T15:42:55","date_gmt":"2023-05-12T20:42:55","guid":{"rendered":"https:\/\/www.northone.com\/blog\/?p=3758"},"modified":"2023-05-12T15:42:56","modified_gmt":"2023-05-12T20:42:56","slug":"plumbers-liability-insurance","status":"publish","type":"post","link":"https:\/\/www.northone.com\/blog\/plumbing\/plumbers-liability-insurance","title":{"rendered":"What is Plumbers Liability Insurance? Definition and Cost"},"content":{"rendered":"\n

Whenever you\u2019re working on someone else\u2019s property, there\u2019s always the chance that something could go wrong. Plumbers liability insurance can protect your business in case of an accident. This type of general liability insurance<\/a> covers you and your business against damage to third parties and their properties.<\/p>\n\n\n\n

Although plumbers are highly skilled and trained professionals, there is always a risk of property damage and injury on the job. Plumbers liability insurance not only protects you from accidental injury or damage, but also employee injury, advertising injury, and negligent work claims. <\/p>\n\n\n\n

<\/span>What is general liability insurance?<\/strong><\/span><\/h2>\n\n\n\n

General liability insurance protects<\/a> against personal injury, third-party injury, property damage, and advertising injury. For instance, if a client injures themselves while you\u2019re making a repair, general liability insurance will cover legal fees, medical expenses, and settlement fees. It also helps cover property damage you might cause during a repair.<\/p>\n\n\n\n

In addition to general liability insurance, you may wish to invest in other types of insurance. Tool and equipment insurance protects against theft and damage, while professional liability insurance covers professional negligence, breach of contract, professional error, or failure to deliver a service on time. Adding more coverage ensures that if accidents occur, you won\u2019t have to pay out of pocket.<\/p>\n\n\n\n

<\/span>Is liability insurance required for plumbing contractors?<\/strong><\/span><\/h2>\n\n\n\n

Laws vary from state to state, but generally, most states require general liability insurance for plumbing contractors. Even if your state doesn\u2019t require it, it\u2019s still a good idea to be insured. Paying fees for property damage, legal representation, settlements, and more could easily bankrupt a plumbing business.<\/p>\n\n\n\n

If your state requires plumbers\u2019 insurance and you don\u2019t get it, you\u2019ll likely be subject to harsh consequences. For example, you may lose your license and be subject to state administrative actions\u2014all on top of paying the costs of the claim out of pocket.<\/p>\n\n\n\n

<\/span>What does plumbers liability insurance cover?<\/strong><\/span><\/h2>\n\n\n\n

You can add more coverage to your insurance policies, such as a business owners\u2019 insurance bundle or professional liability insurance<\/a>. However, general liability plumbers insurance typically covers:<\/p>\n\n\n\n