New York Plumbing Insurance

General Liability Insurance

Think of general liability insurance as your business’s trusty plunger – it’s your go-to tool for clearing away a host of potential problems.

This coverage protects you from third-party claims of bodily injury and property damage.

Imagine you’re fixing a leak in a client’s brownstone in Brooklyn, and you accidentally knock over an antique vase. General liability insurance would cover the cost of replacing the vase, saving you from an awkward and potentially expensive situation.

General Liability insurance typically comes with policy limits, which represent the maximum amount the insurance company will pay for a covered claim. 

Workers Compensation Insurance

According to the Occupational Safety and Health Administration (OSHA), plumbing is one of the most hazardous professions.

Workers’ compensation insurance isn’t just a legal requirement in New York; it’s one of the most important types of business insurance coverage for your employees and business.

Many plumbing professionals tend to ignore this insurance. But it is a mandatory insurance to protect your profession.

If one of your plumbers slips and falls while snaking a drain in Queens, workers’ comp would cover their medical expenses and lost wages.

This coverage also protects your business from potential lawsuits related to workplace injuries.

Commercial Auto Insurance

Your trusty work van is more than just a vehicle; it’s a mobile toolbox and the lifeblood of your business.

Plumbers must carry auto coverage as a safeguard from accidental claims for the vehicles used for business.

Commercial auto insurance provides you the protection from accidents involving your work vehicles, ensuring you’re not left high and dry if your van takes a hit while rushing to an emergency call in the Bronx.

Business vehicle insurance is the most appropriate coverage you need.

Tools and Equipment Insurance

Your plumbing tools are the bread and butter of your plumbing business. Tools and equipment breakdown coverage protects these valuable assets from theft or damage.

Whether it’s a state-of-the-art pipe camera or your reliable set of wrenches, this insurance ensures you can replace them quickly and get back to work. Without insurance, you could be in the doldrums.

Errors and Omissions Insurance 

Even the best plumbers can make mistakes. Errors and omissions insurance, also known as professional liability insurance, protects you from claims of negligence in your professional service in the state of New York. 

If a client accuses you of improper installation leading to water damage, this coverage has got your back.

Commercial Property Insurance

Your office or warehouse is the headquarters of your plumbing empire. Commercial property insurance covers damage to these locations from fire, theft, or severe weather events.

Don’t let a leaky roof in your shop put you out of business! Get the right liability and property coverage to cover your plumbing business needs.

Umbrella Insurance

Think of this business insurance policy as your business’s raincoat. Umbrella coverage pays for all the risks that are not covered in your general liability policy.

It provides additional liability protection beyond the limits of your general liability policy, offering an extra layer of security for those “what if” scenarios that keep plumbing professionals up at night.

Business Owners Policy (BOP)

This streamlined insurance option combines essential coverages for plumbing businesses in New York.

A BOP simplifies the insurance process and ensures you have the basic protection you need.