When an unexpected plumbing emergency strikes, you need immediate help. Be it late at night or over a holiday weekend, having access to reliable plumbers should always be top of mind.
Finding a qualified, fast service plumber Elizabeth should be straightforward: just read their reviews. Also, ensure they carry insurance to protect them and their customer should anything happen during a repair job.
Professionals
A good plumber has extensive plumbing knowledge and possesses all necessary licenses, bonds and insurance to protect their clients. Furthermore, you should check their reputation within their community, recommendations from past customers, and online reviews from third-party websites for more realistic standards than just company websites.
The plumbers from Distinct Plumbing can address your plumbing problems efficiently and at fair prices. Some may charge a higher fee for after-hours service, so inquire beforehand. While certain plumbing issues can be taken care of on their own, emergencies should always be reported immediately to a plumber – for instance, if the water in your home appears discoloured or smells unpleasant, this could indicate broken pipes or another serious problem needing immediate attention.
Insurance
Fast service plumber Elizabeth must carry multiple policies to protect themselves against potential liability, including general liability, workers compensation, business property and professional liability policies. General liability covers claims brought forth against plumbers by third parties for bodily injury or property damage claims made against them; for instance, if someone trips over an exposed pipe on the floor while inspecting plumbing work or damages it while inspecting, such coverage would include medical expenses, legal fees and settlement costs incurred as a result.
Workers compensation insurance is required in most states for plumbers with employees, providing lost wages and medical expenses for employees injured while working. Business property coverage protects tools, equipment and supplies against loss or theft – an essential policy component in protecting expensive equipment often carried by plumbers.
Plumbers require general commercial umbrella insurance policies to safeguard against catastrophic losses exceeding their underlying policies’ limits. This coverage is relatively affordable and could help keep their business operational in case of an accident or financial hardship. Fast service plumber Elizabeth should also consider purchasing a business owners policy (BOP), which bundles liability and property coverage into one policy at an attractive price point.
Commercial Auto
Most plumbing businesses rely on one or more vehicles to transport their employees and tools to each project. Commercial auto insurance protects these vehicles and the people inside them against at-fault accidents, vandalism, theft and other mishaps. It may also include other types of coverage, such as worker’s compensation for injuries sustained in an accident or inland marine insurance to protect equipment in transit.
Most states require that plumbers have workers’ comp if they have employees. It pays for medical expenses and lost wages when an employee is injured in a workplace accident. It also covers administrative fees and lawsuits that could result from a work-related injury.
Plumbers often have expensive tools and equipment to take to each job. Inland marine insurance, or contractors equipment coverage, can help pay to replace these items if they are stolen or destroyed while being transported to or from a job site.
Product Liability
Running a plumbing business has its unique risks. Fortunately, many insurance types can help protect a plumber’s business and assets.
For example, if a plumber installs a new faucet that later causes water damage in the client’s home, their liability policy may cover repair or replacement costs. Additionally, equipment insurance covers plumbing tools and other costly hardware that might be stolen or damaged in transit or at a job site. Some plumbers consider adding a surety bond to their business to meet state licensing requirements.
Even the most experienced plumbers can make mistakes. If a client believes the company’s work was subpar, a professional liability or errors and omissions (E&O) policy could help pay for legal fees and judgments awarded against the plumbing contractor.