Plumbing Insurance in Vermont

What is Plumbing Insurance?

Plumbers and their businesses are exposed to a variety of possible risks, including both property- and liability-related perils as well as others. Plumbing insurance policies help financially protect plumbers in Vermont from many of the perils they face.

Plumbing insurance policies are commercial insurance policies that have been specially designed to meet the needs of plumbers and their businesses. Most policies are drafted as package policies which combine several coverages together. This allows the policies to protect against a wide range of risks.

What Businesses in Vermont is Plumbers Insurance Right For?

The majority of Vermont businesses that provide plumbing services can benefit from the protections afforded by a plumbers policy. Some examples of these businesses include:

Self-employed plumbers
Employed plumbers who do side work on their own
Commercial plumbing businesses
Residential plumbing businesses

Along with these, businesses that do plumbing work alongside other work might need this type of insurance. For example, HVAC service providers who also offer plumbing services may need plumbers insurance. Batch remodelers, kitchen remodelers and homebuilders might too since they likely install plumbing fixtures at times.

An insurance agent sho specializes in plumbers insurance can help businesses determine whether this is the right insurance for their situation. An agent who’s familiar with plumbers policies will also probably be knowledgeable about other, similar insurance policies and be able to provide an informed recommendation after reviewing a business’ risk exposure.

Do Sole Proprietors Need a Plumbers Policy?

Businesses that need plumbers insurance typically should purchase insurance regardless of their legal structure. Sole proprietors in this field usually should have a policy, and limited liability corporations, S corporations and C corporations that do plumbing work normally ought to purchase a policy also. While various legal structures may offer certain protections, those protections are frequently different from the ones that an insurance policy affords.

Do Plumbers Who Work as Subcontractors Need a Plumbers Policy?

Plumbers who perform work as subcontractors might be covered by the business that they subcontract with. Coverage isn’t always guaranteed, though, and it can vary substantially from project to project. Some contractors don’t provide coverage for subcontractors, and those that do don’t always provide coverage that as robust as subcontractors would like.

For these reasons, subcontractors are generally wise to purchase their own insurance. This is often the best way for subs to control precisely what protections are in place.

What Protections Do Plumbers Policies Make Available?

As mentioned plumbers policies typically come with multiple insurance coverages. These coverages can vary from one policy to the next, but many policies make the following protections available to those who want them:

General Liability Coverage, which normally covers common accidents and certain liability suits

Errors and Omissions Coverage, which normally covers errors and mistakes that are made in work

Commercial Umbrella Coverage, which normally provides additional liability protection

Commercial Property Coverage, which normally covers buildings, equipment and inventory

Inland Marine Coverage, which normally covers equipment and inventory while it’s being transported

Installation Floater Coverage, which normally covers supplies purchased for specific projects until they’re installed

Commercial Auto Coverage, which normally covers company-owned trucks or vans

Businesses might also want business interruption coverage or other additional protections depending on their situation.

How Can Plumbers in Vermont Get Plumbing Insurance?

For help finding plumbing insurance in Vermont, contact the independent insurance agents of Paige & Campbell Insurance. Our agents are able to help you compare quotes from several insurance companies in the state, and they have the expertise necessary to assist with choosing the best available policy.