What Coverages Do Plumbers Insurance Policies Include?
Plumbers and businesses frequently are able to customize the exact coverages included in their plumbers insurance policies, so the exact coverages included in any particular policy can vary. Nonetheless, there are several coverages that policies commonly make available as either standard or available protections:
In addition to these, there are many other coverages that plumbers might want to consider. For example, a business might also benefit from business interruption coverage, cyber liability coverage and any number of other options. An insurance agent who specializes in plumbers insurance can help make coverage selections based on a particular business’ situation.
Do Plumbing Policies Include Workers Compensation?
Plumbing policies normally don’t include workers compensation coverage, which normally protects employees from job-related illnesses and injuries. Businesses that need this coverage typically must purchase it separately, but an insurance agent who’s familiar with plumbing policies can likely also assist with workers compensation.
How Much Do Plumbing Policies Cost?
Insurance companies consider many different factors when setting rates for plumbing policies. Some of the items they frequently take into account include:
- Where a plumbing business is headquartered
- What region a business serves
- What type of plumbing a business does
- What equipment a business owns and uses
- What deductibles, limits and coverages a business chooses
- Whether a business has a history of filing insurance claims
To get an accurate idea of how much a plumbing policy would cost, businesses should talk with an independent insurance agent. Independent agents are able to get quotes for policies from multiple insurers, which makes it easy to find out how much each company would charge for a particular set of coverages.
How Can Businesses in Massachusetts Get Plumbing Insurance?
If your business needs a plumbing policy, contact the independent insurance agents at The Feingold Companies. Our agents have assisted many Massachusetts businesses that needed plumbing insurance, and they have the expertise necessary to make sure you select a policy that will properly protect your plumbing business.
