Business Owner's Policy (BOP) for Plumbers
As a plumbing professional or business owner, protecting your tools, team, and clients is just as important as completing a job right. A Business Owner’s Policy (BOP) combines essential coverages into one affordable package—making it the ideal solution for plumbers and plumbing contractors who want broad protection without the high cost.
What Is a Business Owner’s Policy (BOP)?
A BOP is a bundled insurance policy that merges general liability insurance and commercial property insurance, often with customizable add-ons. It is specifically designed for small to mid-sized businesses like plumbing companies that want both protection from lawsuits and coverage for their physical assets.
What Does a BOP Cover?
A BOP typically includes the following core coverages:
1. General Liability Insurance
Protects your plumbing business if you’re held liable for:
Bodily injury (e.g., a client slips at a job site)
Property damage (e.g., water damage during a plumbing job)
Legal costs and settlements
2. Commercial Property Insurance
Covers damage to your business property such as:
Tools and plumbing equipment
Office space or storage unit
Computers, files, and office furniture
3. Business Interruption Insurance
If your plumbing business is forced to pause operations due to a covered loss (like a fire or theft), this coverage helps you recover lost income and cover operational expenses.
What Does Insurance Cover?
Plumbing General Liability Insurance helps protect your business from third-party claims involving property damage, bodily injury, and related issues. One of the key advantages of this coverage is that it also includes legal defense costs—like attorney fees—if your business faces a lawsuit over a covered incident.
Bodily Injury
Covers claims if someone is hurt as a result of your work or equipment. Example: A person trips over your tools during a plumbing job and gets injured.
Reputational Harm
Offers protection against accusations like libel, slander, or unauthorized use of a client’s images. Example: Featuring a client's home in your marketing materials without their permission could result in legal action.
Medical Payments
Pays for medical costs if someone is injured at your business location. Example: A client slips and falls while visiting your office and requires medical attention
Property Damage
Covers accidental damage to a client’s or third party’s property. Example: A plumber accidentally breaks a customer’s window while carrying equipment inside.
Damage to Rented Premises
Provides coverage for damages to properties you rent, caused by specific incidents. Example: A fire starts in your rented shop due to a faulty gas line connected to your equipment.
Advertising Injury
Protects your business from claims related to advertising mistakes, such as copyright infringement. Example: Using another company’s slogan in your ad without permission results in a legal claim
Do you have a question? Call us 24/7
- Get your certificate of insurance.
- Update your coverage.
- Edit billing information.
- Change business address.
- Customer service
Optional Add-Ons for Plumbers
Depending on your needs, you can customize your BOP with:
Inland Marine Insurance – Covers tools and equipment in transit
Equipment Breakdown Coverage
Cyber Liability (if you manage customer data online)
Hired & Non-Owned Auto Coverage
Why Plumbers Need a BOP
Plumbing businesses face daily risks, including accidental property damage, equipment theft, or jobsite injuries. Without proper insurance, a single incident could put your entire business at financial risk.
A Business Owner’s Policy helps you:
Comply with contractor licensing and insurance requirements
Win more clients with proof of coverage
Protect your business from costly lawsuits or claims
Secure coverage in one simple, cost-effective policy
FAQ:
It’s not always required by law, but many clients, contractors, or municipalities may require proof before awarding jobs.
Yes! We offer customizable insurance packages that include General Liability, Tools & Equipment, and Workers’ Comp.
General Liability covers physical injuries or damage to property. Professional Liability covers financial loss due to professional mistakes or negligence.
