Texas Plumbing Insurance (Quotes, Cost & Coverage)
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Frequently Asked Questions About
Commercial General Liability Insurance
How much does commercial insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Texas Plumbing Insurance
Texas Plumbing Insurance. Plumbing is a messy profession, but it becomes messier still if you are working as a plumber and find yourself on the receiving end of a liability claim. For this reason, all plumbers, including small, sole proprietors working independently, need plumbing insurance. If you are a plumber, septic installer, pipe fitter or even a general contractor who works with other professionals to provide plumbing services, you are putting yourself, your business, and your assets at risk when you work uninsured.
Plumbing contractors install, service, repair, and replace piping and fixtures that connect to water mains or wells, gas utilities, sewers, appliances, sprinklers, and irrigation systems. Plumbers may offer services to the general public, or specialize in residential or commercial work, new construction or remodeling.
Plumbing operations involve cutting metal or plastic (PVC) piping to length and assembling it by means of threaded couplings, adhesives, or by soldering, brazing or welding. Some plumbing contractors provide retail sales of hardware and appliances, and offer remodeling services for kitchen and bathrooms. The contractor may offer 24 hour emergency service.
Life is uncertain, and things happen. You are putting yourself at risk for claims for damage you cause, equipment or vehicle damage, or injury to yourself and clients, among other risks. This is why you should have Texas plumbing insurance.
Texas plumbing insurance protects your business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
Some states require specific types of insurance for contractors conducting business within their borders. This is oftentimes a condition of doing business, so check to see what licensure involves and if you are required to have particular types of insurance in order to perform your work as a plumber.
If you work as a general contractor, then you may need to purchase Texas plumbing insurance insurance before you can work with or hire plumbers to work under you. Sometimes property owners also require that contractors, including plumbers, show that they have insurance in force before they will hire you for a contract or job.
BOP Policies for Plumbers
There are several structures for plumbing businesses when it comes to Texas plumbing insurance. The one that your business chooses should be based on the size of the business, the risks you face, and the amount of coverage you desire. A basic Texas plumbing insurance policy for plumbers typically combines multiple coverage types in one, and is known as a business owner's policy, or BOP. BOP plans usually include:
- Coverage for general liability. This handles claims for damages and injuries that result from mistakes or accidents while you or your employees perform plumbing services.
- Coverage for property. This covers damage to your tools or equipment.
- Coverage for income loss. This insurance kicks in and pays if your business experiences a work stoppage, so you can stay in business and keep moving forward.
Other Coverage Types For Plumbers To Consider
These are not the only types of coverage that you need. You should also look for more extensive, broader coverage to completely ensure that you're protected from financial ruin. For instance, you might want to add:
- Commercial auto insurance. This is a type of insurance that works much like a personal auto insurance policy, but it's specially designed for commercial purposes. If you use one or more cars, trucks, vans or other vehicles in the course of business, this policy is essential. Personal auto insurance typically does not cover damages and losses incurred while you or someone else is acting in a business capacity.
- Worker's compensation insurance. This is a vital type of coverage for employees, since it pays for work-related medical costs due to injury or illness caused by the job. TX requires that it is purchased by employers for all employees - but owners can be excluded.
- Liability insurance. An extended liability policy sometimes called an 'umbrella' gives you even more protection beyond any coverage you already have. Always make sure you're covered by checking policy limits and going a bit beyond what you might need, just to be on the safe side.
- Additional policy endorsements. If you own a lot of machinery, equipment, and tools, then protect those with policy riders that protect the value, so you can get replacements when a vital item is stolen or becomes inoperable.
What is Covered Under Plumber's Liability Policies?
Before purchasing Texas plumbing insurance, it is important that you review your policy and compare its coverages to your potential risks. You want to look for any gaps in your liability coverage or any policy exclusions that might leave you holding the financial bag if someone drops a lawsuit or claim in your lap.
Be sure that your policy covers:
- Damages that might be caused by you or employees when working on a new construction. This includes leaking water lines, work delays, building material damage and other potential scenarios.
- Pipe damage to existing pipes. In existing structures, replacing pipes damaged can be an expensive prospect. Be sure your policy covers you.
- Gas explosions caused by your work. If you damage a structure and cause a gas explosion, extensive damage can result. Check to be sure you're protected in the case of a claim against you.
Becoming a savvy plumber business owner means protecting what you have with the right amount of Texas plumbing insurance and the policy limits that protect your business. Work with a licensed agent to find the best policy, the appropriate coverage, and any riders or police add-ons based on your individual needs.
TX Plumber's Risks & Exposures
Premises liability exposures at the contractor's shop or office are generally limited due to lack of public access. If there are retail sales, customers may slip, trip or fall while on the premises. Outdoor storage may present vandalism and attractive nuisance hazards.
Off-premises exposures are extensive. Plumbing work can be invasive, resulting in a high potential for property damage. The area of operation should be restricted by barriers and proper signage to protect the public from slips and falls over tools, power cords, building materials, and scrap. Plumbers can damage customers' premises when removing old plumbing and piping and installing new. Welding presents potential for burns or setting the property of others on fire if not conducted safely.
In enclosed structures, buildup of fumes from adhesives or sewer gases can result in bodily injury. Personal injury exposures include assault and battery and invasion of privacy. Background checks should be conducted for any employee who will have regular contact with customers. The use of subcontractors as well as any contractual liability exposures should be examined.
Completed operations liability exposures can occur if the plumbing or piping is not properly installed, resulting in leaks or water damage. Bacteria from leaking sewage connections can cause illness, as well as substantial property damage from hidden mold and fungus.
In larger jobs, such as sprinkler installation, accidental discharge or the failure of the system to operate properly represents a potentially catastrophic exposure from water damage or fire. If the plumber installs natural gas household appliances, poor connections can result in carbon monoxide poisoning.
Workers compensation exposures vary based on the size and nature of the job. Cuts, scrapes and even amputations from cutting tools may occur and become infected from contaminated materials or sewage. Back injuries, hernias, strains, sprains can result from lifting. Burns from welding operations can occur both at the yard site and job site. Welding should be conducted in well-ventilated areas to reduce the exposure to injury from fire, fumes, and vapors which can cause eye, skin, and lung irritations.
If the contractor does any excavation to connect to utilities or to install sprinklers and irrigation systems, bodily injury can result from digging and trenching. When work is done on ladders and scaffolds, there is a potential for severe injury or death from falling, being struck by falling objects, or adverse weather conditions. The absence of good maintenance of scaffolds, proper use of basic safety equipment, and strict enforcement of safety practices may indicate a morale hazard.
Property exposures may be limited to an office only or include retail sales, shop operations and a yard for storage. If the contractor constructs their own piping, the potential for fire or explosion increases due to sparks and flames produced by the welding process and storage of gas cylinders on premises. Welding involves the use of tanks of gases that must be stored and handled properly to avoid loss.
There should be basic controls such as chained storage in a cool area and the separation of welding operations either in a separate room or with flash/welding curtains away from flammables. PVC piping 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.
Crime exposure is primarily from employee dishonesty. Background checks, including criminal history, should be performed on all employees providing services to customers or handling money. All ordering, billing and disbursement should be handled as separate duties with reconciliations occurring regularly. Theft can be a high exposure if inventories of valuable metals, such as copper or brass, are stored.
Inland marine exposures include accounts receivable if the plumber offers credit to customers, computers, contractors' equipment, goods in transit, installation floater, and valuable papers and records for customers' and suppliers' information. Contractors' equipment includes employees' tools and equipment that may be rented, leased or borrowed from others for specific jobs.
The goods in transit exposure includes supplies (adhesives, caulking, welding tanks) and materials to be installed. Hazards in transit include shifting and oversized loads. Improper loading or inadequate tie down poses a serious loss potential. Oversized loads can be damaged by collision. Equipment at a job site can be damaged by drops from heights, weather damage, or by vehicles. Equipment and supplies left at job sites are subject to theft and vandalism.
Environmental impairment exposures arise from the removal, transport, and disposal of waste and old insulating materials removed from structures. As some of these materials may be contaminated with waste or include lead piping and asbestos insulation, disposal procedures must adhere to all EPA and other regulatory standards. Proper written procedures and documentation of all processes is important. Training and supervision of employees are critical.
Commercial auto exposures include the transportation of workers, equipment and materials to and from job sites. There may be transportation of hazardous waste to approved landfills. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location. Drivers may need a hazardous materials ("hazmat") endorsement to transport some waste and old insulating materials removed from structures.
Texas Economic Outlook & Requirements For Commercial Insurance
If you are considering opening up a business in the Lone Star State, you first want to make sure that it is a sound location for your operations. That means that you should understand some key information related to the state's economy, as well as the types of insurance coverages that businesses are legally required to carry.
Economic Outlook For The State Of Texas
In terms of the economy, Texas offers fantastic news for those who are thinking about starting up a business in this state. That's because the Lone Star State has the second largest economy of all 50 states in the nation. The gross state product is valued at an estimated at over $1.706 trillion in 2018. In 2015, the state was the headquarters for six of the top 50 Fortune 500 companies.
As expected, several industries contribute to the economy of Texas. One of the most notable industries is agriculture. In fact, this state has the highest production of cattle, sheep, and goat products. It is also the largest producer of cotton and cereal crops. Other crops that this state is famed for include cantaloupes, watermelons, and grapefruits.
Other leading industries in the State of Texas include:
- Computer Technology
If you are considering going into business in TX, having an operation in any of these industries will likely afford you success.
Commercial Insurance Regulations For Business Owners In TX
The Texas Department of Insurance regulates is the main insurance regulatory agency in the Lone Star State. Texas is quite lenient when it comes to insurance requirements for business owners. In fact, there is only one type of insurance that business owners are legally required to carry, and that is commercial auto insurance. If you are planning on using a vehicle for anything related to your business, whether it's making deliveries, transporting goods, or meeting with clients, you must have a commercial auto insurance policy.
While Workers' Compensation coverage is required in every other state, in TX, is it not mandated; however, if you decide not to carry this type of coverage, you will be required to offer your employees some type of incentive package in the event that the do become injured or develop a work-related illness.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Builders Risk
- Cable And Satellite TV Installer
- Concrete Contractors
- Contractor Liability
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Excavation Contractor
- Fence Installation
- Fire & Water Restoration Contractors
- Flooring Contractor
- Framing Contractor
- Garage Door Installer And Repair
- Glass Contractor
- Glazier Insurance
- House Cleaning
- HVAC Contractor
- Janitorial Cleaning Services
- Lawn Care
- Masonry Contractor
- Plastering And Stucco Contractor
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Security Alarm
- Siding Contractor
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Swimming Pool Contractor
- Tree Trimming
- Upholstery Shop
- Welding Contractor
- Wildlife & Pest Control
- Water Well Drilling
- Window Cleaning
If a contractor wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Many contractors do not have the usual location-specific buildings and business personal property exposures. Their business property is more mobile and, therefore, better covered with inland marine coverage forms. However, for those larger contractors that own buildings and/or maintain business inventory there are many coverage forms and choices available to them.
Contractors use their vehicles to get to and from their workplaces and jobsites. They also use vehicles to transport equipment and inventory to those locations. It is important to cover the liability of these vehicles for injury or damage they may cause, as well as to provide coverage for damage to the vehicles themselves.
Employers are required to provide coverage for injuries sustained by their employees while on the job. Contractors must comply with these requirements but some try to avoid them by hiring subcontractors. These subcontractors may actually operate and qualify as employees. The relationship between a contractor and its subcontractors must be carefully evaluated in order to determine if workers compensation coverage is still needed.
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