Most Trusted Plumbers Insurance San Diego, California

General Liability Insurance

Protects your business from third-party claims. It covers bodily injury, property damage, and advertising injury. In addition, it will help you cover financially in case you are found culpable for the accident.

Business Owner’s Policy (BOP)

This is an extension of the general liability policy. It combines general liability coverage with the business’s personal property. It is usually more affordable than buying those coverages separately.

Workers’ Compensation Insurance

This is the only mandatory insurance policy required by law if you have employees. It will cover the medical bills and lost wages for your employee after a work-related accident.

Tools and Equipment Coverage

It will protect your gear, equipment, and tools wherever you keep them – in your trailer, vehicle, or at the job site. In addition, it will cover for damaged equipment, stolen tools, and borrowed gear.

Commercial Property Insurance

It protects your physical assets from explosions, fire, storms, theft, burst pipes, and vandalism. Flood and earthquakes are not typically covered, but you can always add these perils to the policy. It covers your building (owned or rented) and everything in it and just outside of it.

Commercial Auto Insurance

It covers your business from unexpected expenses if you or your employees are involved in a car accident. It will handle replacements and repairs fast and can include underinsured motorists, rental reimbursement if your car is in the shop, towing and property damage, as well as medical bills.

Umbrella Insurance

Provides extra liability coverage beyond the limits of the existing policy. It does not cost much, so having it will protect you from claims that will easily wipe out any business financially.

Errors and Omissions

It is designed to protect employers and employees against clients’ claims of negligence or inadequate work. Suppose a client believes you made a mistake or oversight or did not meet the standards. In that case, this policy will cover the legal fees of the lawsuit, even if that claim proves to be groundless.

Inland Marine Coverage

This policy covers materials, products, and equipment when transported over land or stored temporarily at a job site or warehouse. The loss may occur due to weather, transit, theft, and less experienced machine operators.

Data Breach Insurance

It will protect your plumbing company from financial losses resulting from data loss, hack, or theft of company documents. You are always at risk if you store customers’ contact info or process their credit cards.

Surety Bonds

It ensures that plumbers will adhere to all applicable laws and professional standards, protecting the customers and the authority that issued the plumbing license. The authority will set the bond amount, but you will pay only the portion of it – usually from 1% – 5 % of the surety bond amount.