Roberts Insurance Group Blog
As a Georgia plumber, there is a lot to be worried about. Having the right Plumber Insurance plan in place is critical to making sure your business is properly covered and that your business won't be ruined financially from an accident. Getting the right coverage for Georgia plumbers is something we specialize in at The Roberts Insurance Group. The coverage packages that we put together will take care of your worries without breaking the bank.
What Is A Good Coverage Plan For Georgia Plumbers?
As a Georgia plumber, there are several different policies and coverage that your business needs to be properly covered:
General Liability Insurance
As a plumber or plumbing company, General Liability Insurance is meant to protect your business if an employee or subcontractor is liable for damage to someone else's property or if they cause bodily injury to someone else. Accidents happen and when they do, there can be some very large settlements involved, especially in Georgia. This is why it is important to have sufficient General Liability coverage as a part of your Plumbers Insurance plan.
Workers Compensation Insurance
Workers comp will pay for the medical bills and lost wages of your employees if they get injured on the job. If you don't have workers comp, your business is likely to go under with the amount of damages you'll be liable for.
Commercial Auto Insurance
Commercial Auto Insurance is another must-have for plumbers in Georgia. Vehicles used for business purposes would not be covered on a personal auto policy. Getting in an accident and having a claim denied would ruin your whole business with the amount of liability lawsuits and settlements that occur in Georgia.
Property Insurance Coverage
This coverage would cover your building and other property like computers and tools.
Installation floater coverage is vital for plumbing businesses in Georgia. This coverage is designed to cover property that is being installed.
Pollution Liability Insurance- Including Mold Coverage
This is a commonly forgotten coverage for Plumbers in Georgia but we think it is very important. Pollution Liability will cover damage from mold or fungus if there is incorrect installations, improper sealing, wet materials, or other errors. Also, if you fail to properly locate underground utilities and cause a leak, pollution liability will pay for the damages. These examples are not covered under General Liability Insurance.
Employment Practices Liability Insurance
For any business that has employees, it is important to have Employment Practices Liability Insurance to cover your business if you're involved in a lawsuit by an employee or applicant due to unlawful employment practices. These claims are becoming very common in Georgia.
Business Service Bonds
Another coverage outside of the average Plumber Insurance package is Business Service Bonds or a Fidelity Bond. This is a form of insurance that covers policyholders for losses caused by dishonest acts of the businesses employees. These bonds are very inexpensive.
If you're a plumber or plumbing company, give us a call at The Roberts Insurance Group at 678-250-8133. We specialize in working with Plumbers and contractors and have the knowledge, insight, and carrier access to ensure your Georgia Plumbing business stays safe and keeps your premiums as low as possible.
The Roberts Insurance Group is a Georgia Insurance Broker specializing in commercial and personal insurance for our clients throughout the state of Georgia. We help our clients lower their cost of insurance with our superior claim and risk management expertise and our extensive carrier access. We are in the business of building relationships with our clients to help them grow and succeed. Contact us today to see what we can do for your family or business.