In the worst case scenario?
A customer sues you, a fire breaks out, or a technical failure paralyzes your business. This can not only be stressful, but also costly.
Water damage caused by pipe breakage or similar.
One of the most common causes of insurance claims are water damages, which can occur due to faulty installations, defective pipes, or leaky connections.
Damage to property
During work, it may happen that customers' property is damaged, for example by falling tools or improper handling of materials.
Fire and explosion damage
When working with gas lines or heating systems, there is a risk of fire or explosion damage.
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The most important business insurances for sanitary installers
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The most important insurances for plumbing installers
Plumbers are exposed to numerous risks in their everyday work, which can lead to various insurance claims. To cover these risks, the following commercial insurances are particularly important for plumbers:
Business liability insurance
This insurance covers damages caused by professional activities to third parties or their property. It is one of the most important insurances for plumbing installers.
Business interruption insurance
This insurance helps to compensate for financial losses caused by a business interruption due to insured events.
Tool and equipment insurance
This insurance protects against loss, theft, or damage of tools and equipment necessary for work.
Commercial building insurance
It covers damage to the company's own premises caused by fire, water mains, storms, or other hazards.
More important commercial insurance for plumbing installers
Legal expenses insurance
This insurance provides protection in legal disputes related to professional activities.
Accident insurance
This insurance provides coverage for company employees in case of accidents during working hours, covering both medical costs and loss of income.
Vehicle insurance
This insurance covers the costs of legal disputes that may arise from business activities.
The insurance risk of plumbing companies can be very individual depending on the contract. Therefore, most insurers often calculate a risk that is too high, leading to significantly higher insurance premiums. Therefore, it is all the more important for entrepreneurs to be aware of any risks and, if in doubt, seek advice from insurance experts.