When you need a qualified plumber, it’s essential to know a few critical things about their liability policies before getting Plumbing insurance. For instance, do they offer a deductible for water damage? What about injury or illness to someone who shows up on their property? Let’s take a closer look at the aspects of a plumber’s liability policy so you know what to expect when you call.
If you’ve ever had to call a plumber out, it can be an expensive experience. Not only do they charge by the hour, but they also request all sorts of upfront payment before seeing your problem first-hand.
Various Aspects –
- Does This Policy Cover Banned Weapons?
Plumber’s liability policies usually cover banned weapons, like a bomb or a firearm. However, they may not cover other things outside of the norm, like a nuclear weapon.
- Will, It Covers Injury to Others?
A plumber’s liability policy typically won’t cover an injury to someone who isn’t on the job. So, for example, if a plumber accidentally cuts you while doing something else, they’re not liable. However, you often see policies that cover injuries while the plumber is on the job.
- What About Liability to Customers That Are Served Water?
Most plumbers won’t cover you if you try to leave and give them harmful or unsafe water service. However, some may have policies that cover this risk.
- Will You Be Covered If the Plumber Is Banned from The Scene?
Many plumbers won’t cover the guy who lives across the street if he’s banned from the scene. This is because they feel that they shouldn’t be forced to work on his property, even though he’s been banned from it. For this reason, they typically save their policies and act solely on the plumber who violates their ban.
- What Should You Do If a Plumber Breaks a Law?
If your plumber breaks the law during your job, do you have to report it? What about when you break the law yourself? Most policies say that if the plumber breaks the law, then it’s not covered. But if you break the law or violate an agreement, this could be grounds for a lawsuit.
If you’re going to claim on your plumber’s liability policy, it’s essential to know what aspects are covered. Your plumber should be able to help you with this information. Likewise, you can use this information to work with your Plumbing insurance company when making a claim.
