Plumbers are experts who assist us with the setup, upkeep, and repair of our plumbing systems. They are in charge of repairing leaks, putting in new pipes, and ensuring the safety and cleanliness of our water supply. But just like any other trade, plumbing comes with hazards, which is why it’s crucial for plumbers to obtain liability insurance. Both the plumbers and their clients are protected by liability insurance in the event that any accidents or damages happen while they are working.
Liability insurance, workers’ compensation insurance, and commercial auto insurance are requirements for plumbers. While the plumber’s work-related damages or injuries are covered by liability insurance, any accidents the plumber may have while performing their duties are covered by workers’ compensation insurance. If the plumber drives for work-related purposes, commercial auto insurance is required.
Errors and omissions insurance, commonly referred to as professional liability insurance, protects against losses brought on by errors or negligence on the part of the plumber while they are doing their duties. Additionally, it covers any settlements or legal costs that can result from such situations. But it excludes intentional misconduct, illegal activity, and harm brought on by subpar design or construction.
Depending on the state’s statute of limitations, plumbers may be responsible for harm or damage caused by their labor for a number of years. The statute of limitations ranges from two to five years for property damage claims, whereas it is often between two and three years for personal injury claims.
Basic plumbing jobs like repairing small leaks or installing new fixtures may be covered by handyman services. To ensure sufficient protection and experience, it is advised to contact a professional plumber with liability insurance for more difficult plumbing tasks.
In conclusion, plumbers should be covered by liability insurance to safeguard both themselves and their clients in the event that any mishaps or damages happen while they are working. Additionally, plumbers must have business auto insurance and workers’ compensation insurance. Professional liability insurance covers any losses or harms brought on by the plumber’s negligence, but it excludes intentional misconduct and losses brought on by subpar materials or workmanship. Depending on the state’s statute of limitations, plumbers may be responsible for harm or damage caused by their labor for a number of years. While simple plumbing jobs may be covered by handyman services, it is advised to engage a licensed plumber with liability insurance for more difficult plumbing jobs.