Plumber Insurance in Ohio

As a plumber in Ohio, your role is vital in maintaining functional properties. From fixing leaks to ensuring smooth drainage, you're entrusted with keeping homes and businesses running. It's crucial to safeguard your profession and assets with the right insurance coverage. Plumbers face unique risks, such as property damage, bodily injuries, and equipment theft. 



Without adequate insurance, costly lawsuits and business disruptions are possible. Investing in comprehensive insurance tailored to your profession is essential for protecting your business from unforeseen events.

End your search for plumbers’ insurance in Ohio by giving us a call. At our agency, we understand the unique risks that come with being a plumber. Our experienced agents will work closely with you to develop a custom insurance policy tailored to meet your needs and budget. We provide comprehensive coverage for liability, property damage, business interruption, workers’ compensation, and flooding.

Don’t leave your business unprotected - call us today to learn more about Ohio flood insurance for plumbers. Our agents are here to answer all your questions and help you find the best coverage at a price that fits within your budget.

Whether you are a small business owner operating on your own or part of a larger organization, it’s important to have the right insurance coverage for plumbers in Ohio. The following types of professionals should consider purchasing plumber’s liability insurance:

• Business owners.
• Drainage system installers.
• Handyperson.
• Home builders, developers and renovators.
• Piping contractors.
• Plumbing contractors.
• Septic system workers.
• Sewer hookup contractors.
• Sprinkler installers.
• Water system balancing and testing contractors.
• Sump pump installation and servicing contractors.
• Water pump installation and servicing contractors.

These professionals are all exposed to unique liability risks and must protect themselves from financial loss. By obtaining the right protection, you can reduce your liability and protect your business in the event of an accident or lawsuit.

The types of insurance that Ohio plumbers need will depend on their work, the size and scope of their business, and the potential risks. Generally speaking, most plumbers in Ohio will need to purchase workers’ compensation insurance, general liability insurance, and property damage liability insurance, among others.

General Liability Insurance

General liability insurance is the most important type of coverage for plumbers in Ohio and other states. This policy covers third-party claims against your business, such as bodily injury or property damage caused by an employee’s actions. It also protects you from lawsuits related to advertising injuries, libel and slander, and copyright infringement. Some of the key coverages included in this type of insurance are:

• Bodily injury – pays for medical expenses and lost wages resulting from an employee’s actions. 
• Property damage – covers damage to property caused by an employee’s work or negligence. 
• Personal and advertising injury liability – covers claims related to libel, slander, copyright infringement, and other advertising injuries.
• Medical payments – pays for medical expenses related to an accident, regardless of who is at fault. 
• Contractual liability insurance – covers any legal responsibility your business has due to a contract. 

Plumbers in Ohio are exposed to various risks, so obtaining adequate coverage is essential to reduce your liability and protect your business. General liability insurance is an important consideration for any Ohio plumber. 

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions, is a type of coverage designed to protect professionals from claims related to errors or negligence in their work. This policy covers any losses suffered by a client due to an error made by the insured plumber. It also helps cover legal defense costs in the event that a lawsuit is brought against your business.

Common claims covered by this type of insurance include:

• Negligence in providing services 
• Misrepresentation or omission of a material fact 
• Breach of duty, contract, warranty, or fiduciary obligation 
• Misappropriation of funds or property 

South Carolina plumbers should strongly consider carrying professional liability insurance in order to protect their business from potential risks. Without this coverage, a single mishap could place your business at risk of financial ruin. With the right policy in place, you can rest assured that your business is secure against any claims related to negligence or errors. 

Workers’ Compensation Insurance

Workers’ compensation insurance is often required for plumbers and other professionals in Ohio. It provides coverage for medical expenses, disability payments, and death benefits in the event that an employee sustains an injury while on the job. Specifically, workers’ compensation insurance covers: 

• Lost wages - In the event that an employee is unable to work due to a work-related injury, workers’ compensation insurance can provide financial reimbursement for lost wages.
• Medical bills - Workers’ compensation insurance covers medical costs and expenses associated with an on-the-job injury or illness, such as doctor visits and hospital stays. 
• Rehabilitation costs - In cases where an employee is unable to return to work due to their injury, workers’ compensation insurance can provide reimbursement for rehabilitation services. 
• Death benefits - In the event of a wrongful death, workers’ compensation insurance provides financial support to the family of the deceased.

Commercial Auto Insurance

Commercial auto insurance is a must for Ohio plumbers who transport materials and equipment between job sites or use company vehicles. This type of insurance provides coverage for any damage to the vehicle, as well as liability protection in the event of an accident. Liability coverage includes medical expenses and legal fees in the event that an employee is involved in an at-fault accident. 

Commercial auto insurance includes coverage for lost or damaged cargo and uninsured motorist protection. This means that if an uninsured driver injures an employee, their medical bills and other associated expenses are still covered. 

Tools and Equipment Insurance

Tools and equipment insurance is essential for any Ohio plumber, as these items can become damaged or lost due to a variety of causes. This type of coverage provides protection against the cost of replacing stolen or damaged tools and equipment. 

It also covers the costs associated with repairing or replacing faulty workmanship. Some policies may even include liability coverage for damage caused by tools and equipment to third parties.

Commercial Property Insurance

Commercial property insurance is another important type of coverage for plumbers in Ohio. This policy provides protection for your business’s physical assets, such as buildings, equipment, and supplies. It also pays for the costs associated with replacing lost or damaged items due to fire, storms, vandalism, and other covered perils. Commercial property insurance can help you avoid costly repairs or replacements in the event of an unexpected loss. 

When evaluating commercial property coverage for your plumbing business, it’s important to consider the value of all of your company’s assets and choose a policy that provides enough protection. It’s also important to review any exclusions in the policy, as these can limit what is covered by your insurance.

Flood Insurance

Floods can cause extensive damage to Ohio plumbers’ businesses and property, so it’s important to consider obtaining flood insurance coverage for your business. This type of policy is offered through the National Flood Insurance Program (NFIP), which is administered by the Federal Emergency Management Agency (FEMA). It provides coverage for certain types of property damage caused by flooding, as well as additional living expenses if your business has to be evacuated due to a flood. 

When considering flood insurance coverage for your Ohio plumbing business, it’s important to understand the different types of policies available. There are two main types of NFIP policies: 

• Standard Flood Insurance Policy (SFIP): This policy provides coverage up to $250,000 for buildings and $100,000 for personal property.
• Excess Flood Insurance Policy (EFIP): This policy provides coverage above and beyond what is provided by the SFIP. 

When considering flood insurance for your Ohio plumbing business, it’s important to take into account the risk of flooding in your area. You should also be aware that not all NFIP policies cover damage caused by sewer backups or sump pump failures. 

If you need coverage for these types of risks, you may need to purchase a separate policy from a private insurer. 

Product Liability Insurance

In the event that a plumber’s products cause property damage or bodily injury to another person, product liability insurance provides protection for the business. This type of insurance covers legal fees associated with a lawsuit as well as any damages awarded to the plaintiff. Product liability insurance is especially important for Ohio plumbers who manufacture their own parts or components.

When it comes to securing the right coverage for your Ohio plumbing business, it’s crucial to have a knowledgeable and experienced insurance agent on your side. A local Ohio plumbers’ insurance agent can help you understand the different types of coverage available, compare quotes from different insurers, and craft a policy that is best suited to meet your needs. 



At Bellwether Insurance, our agents provide personalized service and strive to offer the most competitive rates on Ohio plumbers' insurance. To learn more about how our team can help you find the right coverage for your business, contact us today to request a free quote.