Florida Plumber Insurance quote and information.

1. How do insurance companies define Plumbing Contractor?
2. What risk exposure do Plumbing Contractors have?
3. What is the price of Plumber insurance?
4. Is insurance for Plumbers required in Florida?
5. What coverages are common to Plumbing businesses?

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How do insurance companies define Plumbing Contractor?

Plumbing contractors install, repair, and replace piping and fixtures that connect to water supplies, gas utilities, sewer connections, appliances, sprinklers, and irrigation systems. Plumbers may take all types of jobs, or they may specialize in residential or commercial work, new construction or remodeling. The work involves cutting metal or plastic (PVC) piping to length, and assembling it by means of threaded couplings, adhesives, or by soldering, brazing or welding. Other services the plumbing contractor may provide are retail sales of hardware and even appliances, as well as remodeling services for kitchen and bathrooms.

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What risk exposure do Plumbing Contractors have?

• Property exposures depend upon where the work is done. Plumbers may have only an office, or may also have shop operations and a yard for storage. Some contractors have facilities to construct their own piping, so cutting and welding would be done at the yard site. In those cases, fire exposures may be high. Welding involves the use of tanks of gases that must be stored and handled properly to avoid loss. The absence of basic controls such as chained storage and the separation of welding from other operations may reflect a significant concern.
       Other concerns are from the storage of PVC piping that may release toxic fumes should a fire occur. Plastic piping typically uses adhesives that contain a flammable solvent. Handling and storage of flammables need good controls. If repair work on vehicles and equipment is done in the building, fire hazards may be much higher.
       Theft can be a high exposure if inventories of valuable metals, such as copper or brass, are stored.
• Inland marine exposures include contractors’ equipment, goods in transit and installation floater. Contractors’ equipment is generally limited to employees’ tools and equipment that may be rented, leased or borrowed for specific jobs. The goods in transit exposure consists of supplies (adhesives, caulking, welding tanks) and materials to be installed. If the insured delivers the fixtures or appliances to be installed, the goods in transit exposure needs to reflect the higher value and the greater susceptibility to damage or theft. When goods are installed over a time period, the installation floater exposure exists and must be evaluated. A key question is the security of the job site.
• Premises liability is a concern at the yard or at the job site. Outdoor storage may create vandalism and attractive nuisance hazards that must be protected against. Contractors can damage customer's premises when removing old plumbing and piping and installing new. Work with tools, large materials (piping, appliances), fire, water or sewage may cause bodily injury to customers or to employees of other contractors. There may also be damage to other contractors’ property or completed work. Tools, power cords, building materials and scrap all pose trip hazards even when not in use. There may also be a personal injury exposure, so background checks are imperative for any employee who will have regular contact with customers. If installing or remodeling in enclosed structures, buildup of fumes from adhesives or from sewer gases represents a serious hazard. Finally, the use of subcontractors as well as any contractual liability exposures should be examined.
• Completed operations exposures can occur if the plumbing or piping is not properly installed and leaks or water damage occur. This could result in significant property damage. If sewer connections are faulty, bacteria from leaking sewage can cause disease, as well as additional substantial property losses from hidden mold, etc. In larger jobs, such as sprinkler installation, accidental discharge or the failure of the system to operate properly represents a potentially catastrophic exposure. Many plumbers also install natural gas household appliances. Poor connections can lead to carbon monoxide poisoning of the customers.
• Environmental liability concerns include both the cleanup at job sites generally (especially when drain and sewer work is done) and the disposal of waste and the old debris that has been removed from the structure. This may include not only materials contaminated with waste, but also lead piping and asbestos insulation. Proper written procedures are needed, as well as documentation that they have been followed.
• Automobile liability depends on the radius of operation. Age, training, experience, and drivers’ records, as well as the age, condition, and maintenance of the vehicles, are all important items to consider.
• Workers compensation exposures vary based on the size and nature of the job. Cuts, scrapes and even amputations from cutting tools may be occur and because of the nature of the work, subsequent infections are a concern. Lifting injuries such as hernias, strains and sprains plus back injuries may also occur. Burns from the welding operation can occur both at the yard site and job site. If welding is done in small, confined locations, additional exposure exists to fire, fumes, and vapors. Fumes and vapors from the adhesives can cause eye, skin, and lung irritations. Ventilation is important. If the contractor does any excavation to connect to utilities or to install sprinklers and irrigation systems, potential losses from digging and trenching could occur.

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What is the price of Plumber insurance?

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Is insurance for Plumber required in Florida?

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What other insurance should a Plumbers consider?

Employee Benefits Liability, Umbrella Liability, Commercial Auto, Workers Compensation