Why Plumbers Need the Right Insurance – Protect Your Pipes & Your Business
**Understanding Plumbers Insurance**
Whether you’re a one-person operation or running a team of plumbing pros, having the right insurance is as essential as a pipe wrench in your toolkit. Plumbers face all kinds of risks — from property damage and injuries to lawsuits. That’s why Mike Lively Agency LLC offers specialized plumbers insurance policies designed to keep you working with peace of mind.
**What Does Plumbers Insurance Cover?**
At its core, plumbers insurance combines several essential policies under one roof. Here are a few key types of coverage you might need:
General Liability Insurance: Covers third-party injuries and property damage. Think burst pipes or water damage during an install.
Commercial Auto: Your work van isn’t just transportation — it’s a mobile workshop. This covers your vehicle and liability on the road.
Workers’ Compensation: Required in most states if you have employees. It covers workplace injuries and lost wages.
Tools & Equipment Insurance: Protects your gear if it's stolen or damaged.
Professional Liability: Also known as errors and omissions insurance. If something goes wrong with your work — you’re covered.
**The Cost of Coverage**
The cost of plumbers insurance can vary depending on factors like location, size of your business, number of employees, and claims history. Here's a sample breakdown of average annual premiums:
| Type of Coverage | Avg. Annual Cost |
|---|---|
| General Liability | $450 – $1,500 |
| Workers’ Compensation | $1,000 – $3,000 per employee |
| Commercial Auto | $1,200 – $2,500 per vehicle |
| Tools & Equipment | $300 – $750 |
These are estimates — your actual rate may differ. That’s why it’s important to talk with the experts at Mike Lively Agency LLC for a customized quote.
**Real-World Risk Scenarios**
Picture this — you're installing a new hot water heater and a faulty valve leads to a major leak. The homeowner sues for water damage. Without liability insurance, that’s coming out of your pocket.
Or maybe your apprentice strains their back lifting a water heater. Without workers’ comp, you’re covering their medical bills and time off.
These aren’t just “what ifs” — they happen every day. That’s why being insured isn’t just smart... it's survival.
**Peace of Mind with Mike Lively Agency LLC**
Our team at Mike Lively Agency LLC knows the plumbing industry inside and out. We’ve helped countless plumbers — from residential techs to commercial contractors — get insured properly and affordably.
Whether you’re looking for a bundled Business Owners Policy (BOP) or building your own plan, we’ll walk you through the options and make sure nothing’s left out.
Need a certificate of insurance fast? No problem. Want to expand your coverage as you hire more plumbers? We’ve got you.
**Let’s Talk About Your Policy**
Choosing the right plumbers insurance isn’t about ticking a box — it’s about protecting your livelihood. The unexpected can happen anytime, and when it does, you want a shield that holds up under pressure.
Let Mike Lively Agency LLC be your partner in protection. We’re local, we’re experienced, and we’re ready to help you safeguard your business, your tools, your team — and your peace of mind.
Call us today at 432-300-6219 or click below to get started.