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Plumbing Insurance in Massachusetts

What is Plumbing Insurance?

Working as a plumber can be a rewarding career, but this field of work comes with some risks. For example, plumbers can have equipment stolen, be involved in car accidents or be the subject of a liability lawsuit, and these are just a few of the perils they often face. Plumbing insurance doesn’t stop incidents like these from happening, but it can help plumbers in Massachusetts financially protect themselves when something bad does occur.

Plumbing insurance policies are specialized commercial policies that have been developed to meet the unique needs of plumbers and their businesses. In order to provide robust protections, most of these policies come as package policies that bundle multiple protections together.

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What Massachusetts Businesses Need a Plumbers Insurance Policy?

Broadly speaking, the majority of plumbers and plumbing businesses in Massachusetts ought to have a plumbers insurance policy in place. Not carrying a policy can leave businesses unnecessarily exposed to risks and possibly unable to recover from catastrophes that would otherwise be protected against.

A few specific examples of businesses that might want this type of insurance include:

  • Commercial plumbers
  • Residential plumbers
  • Self-employed plumbers
  • HVAC companies that offer plumbing services

Moreover, plumbers normally need an insurance policy regardless of how their business is structured. While sole proprietorships, limited liability corporations and other business structures might offer varying levels of legal protection, any protections that these entities afford are usually different from the protections provided by an insurance policy.

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Do Employees Need Their Own Plumbers Insurance Policy?

In most cases, employees who work for a plumbing company are covered by their employer’s plumbers insurance policy (provided their employer carries an adequate policy).

Employer-provided coverage, however, is frequently limited to when an employee is doing work for that employer. Employees who do side jobs by themselves may find that their employer’s policy doesn’t cover this work, and they might want to purchase their own policy to get coverage for their gigs.

What Protections Are Available Through Plumbing Policies?

As mentioned, plumbing policies frequently offer multiple coverages within them. Some of the more commonly available protections are:

There are still more coverages that a plumbing company might want to look for in a policy. Companies can get help finding all of the coverages that are appropriate for their situation by contacting an insurance agent who specializes in this type of commercial insurance.

How Much Do Plumbing Policies Cost?

Premiums for plumbing policies are based on lots of different criteria and often vary. For the majority of plumbers, however, insurance is readily available at an affordable price. An independent insurance agent can help companies find out exactly what they’ll need to pay for a given set of coverages by obtaining quotes from multiple insurers at once.

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How Can Plumbing Companies in Massachusetts Get Plumbing Insurance?

For help obtaining plumbing insurance, contact the independent insurance agents at Roger Butler Insurance. Our Massachusetts agents have worked with many plumbers, and we’re ready to help your company find the insurance it needs.

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