Iowa Plumbing Contractor Insurance: Get a Quick Quote or call us at –952-469-0425
Our independent insurance agency specializes in contractor insurance in Iowa. We shop from multiple top-rated insurance companies and match you up with the best plumbing insurance plan for your growing plumbing business and keeping it safe. We offer Insurance plans for all types of Iowa contractors, read our bio.
Plumbing contractors can go through a mishap due to the nature of their work. With the slightest miscalculation, it can cause large property damage or injuries. Clients who experience negligence can sue your Iowa plumbing business. Plumbing contractors are professionals in their trade. They need to work on a variety of plumbing projects that includes both commercial and residential projects.
It takes special skills to run a plumbing company, put together jobs, and coordinate with the employees.
Even if you are an experienced plumber, you will need to pay attention to the minute details. You will need to work on all types of projects that will range from replacing a toilet to fixing a broken pipe, from installing a dishwasher or fixing low water pressure, or even installation of garbage disposals, along with new piping in residential and commercial buildings.
As a plumber, you may also replace a leaky water heater or leaky faucet and even unclog drains. Though most of it sounds simple, there are still times when things could go wrong. So, it is essential for you and your business to buy a comprehensive Iowa plumbing insurance plan. With the perfect insurance plan, you can protect your business from costly liabilities and damages.
Not only does it need to be comprehensive, but the Iowa plumbing insurance cost should also be affordable.
So, contact Iowa plumbing Contractors Insurance today at 952-469-0425 to get the best Iowa Plumbing insurance rates.
Iowa Plumbing Contractor Insurance: What We Offer?
We have been in the insurance business for many years, so we know which policies suit your business. Perhaps you are an Iowa independent contractor just starting. Maybe you have an established plumbing business.
Either way, we can make recommendations on the types of coverage you should purchase. Plus, we give you a choice of insurance companies. Some of those coverages are, but are not limited to:
1. Commercial General Liability Insurance :
General liability insurance covers your business or your workers should they be sued or found liable for the following types of claims:
- Damage to other people’s properties
- Bodily injuries and deaths
- Advertising and personal injury
Commercial general liability insurance will also cover the cost of the damages and losses incurred in the event. This insurance can cover the cost of your legal defense and medical fees. Plumbing businesses need protection for their premises, products, operations, and completed operations.
2. Commercial Property Insurance:
Commercial property insurance helps cover your business property if it encounters a disaster. This insurance will cover the loss or damage of the following should a fire or other covered peril arise:
- Other people’s properties
- Business personal property & equipment
- Furniture and fixtures
- Building or structure
3. Workers’ Compensation Insurance:
Workers’ compensation insurance is required by Iowa law in most cases. If you own an Iowa plumbing company, it is only fair to provide your employees with complete workers’ compensation. Your employees could be injured on the job. So, it is good to reassure your employees that they and their families are financially secure if an accident happens on-site. Workers’ compensation can also serve as a safety net in case a subcontractor gets hurt and is deemed to be an employee. Iowa workers compensation insurance offers several benefits, which are:
- Income benefits
- Medical benefits
- Burial benefits
- Death benefits
- Vocational rehabilitation benefits
4. Equipment and Tools Insurance
Equipment and tool insurance covers the cost of these things in the event they are stolen or destroyed. Though some general commercial liability may provide a small amount of coverage, it’s always best to take inventory and make sure you are adequately protected. If you provide plumbing services to residential homes and commercial properties, you most likely have some expensive equipment like sewer line cleaning machines, cameras, borescope, snake machines, and more. Not to mention all the hand tools like pipe wrenches, hand augers, plumbers, press-fitting systems, pliers, tube and plastic pipe cutters, hacksaws, faucet keys, and basin wrenches. Protect them!
5. Commercial Auto Insurance:
Should any of your plumbing businesses commercial vehicles meet an accident while in transit, commercial auto insurance to cover the following incidents:
- Liabilities resulting from damage to another person’s property, injury, or death
- Damage from collision
- Damage from non-collision (e.g., vandalism, theft, and other perils)
- Personal or medical payments of the insured
- Injury or property damage caused by hit-and-run motorists or the uninsured
Apart from these essential policies, Iowa plumbing Insurance can include other kinds of insurance in your plan. We can add bonds or even a business owner’s policy if you are looking to secure your company even further.
No matter what you are looking for, we can arrange the best Iowa plumbing insurance Quote for you that fits your needs perfectly.
Contact us for Plumbing Insurance in Des Moines, Cedar Rapids, Davenport, Sioux City & Iowa City
Contact Iowa Contractors Insurance today at 952-469-0425 and find a plan that suits your business.
Frequently Asked Question on Iowa Plumbing Insurance :
Q: Do you need a plumbing license in Iowa?
Answer: Anyone involved in plumbing and mechanical systems trades in Iowa, or contracting is required to be licensed by the Iowa board. Exemptions to the licensure requirements are located in Iowa Code section 105.11.
Q: Should Plumbers be insured?
Answer: Commercial plumbers should be insured to work in your area. Typically, licensure requires minimum general liability insurance for all the contractors working on plumbing. The insurance plans will help to protect you and your customer, in case any damage occurs on your property.
Q: What insurance does a self-employed plumber need?
Answer: If you are a self-employed plumber, you need to have a plumber’s liability insurance. Public liability insurance will cover you in case of damage to a customer’s property.