That’s exactly why insurance isn’t optional. Here’s a look at the biggest risks plumbers and HVAC professionals face, and how the right coverage can protect you.
1. Property Damage Can Get Expensive
Plumbing and HVAC systems run throughout an entire building. If something goes wrong (like a burst pipe, faulty valve, or incorrectly installed HVAC unit), the resulting water or property damage can be extensive.
Insurance solution: General liability insurance covers accidental damage to your client’s property, including cleanup and repair costs.
2. Injuries Happen on the Job
From slips on wet floors to accidents involving heavy equipment, both trades come with hazards. And if a client or bystander is injured while you’re working, you could be held responsible.
Insurance solution:
- General liability covers third-party bodily injury.
- Workers compensation covers employees if they’re injured on the job.
3. Faulty Workmanship Claims Are Common
Even when you follow best practices, things can go wrong. A plumbing joint might fail, or an HVAC system might not perform as expected. While insurance typically won’t cover redoing your own work, it may step in if your work causes additional damage.
Insurance solution:
- General liability may cover “resulting damage.”
- Professional liability adds protection for design errors, consulting, or oversight.
4. Tools & Equipment Are Targets for Theft
Your tools, diagnostic equipment, and parts inventory are critical to your work. Theft from vehicles or job sites is common, and replacing equipment is costly.
Insurance solution: Contractors equipment (inland marine) insurance covers tools and equipment whether they’re in your truck, at a job site, or in storage.
5. Vehicles Are Business Essentials
Service vans and trucks are the lifeline of plumbing and HVAC businesses. However, personal auto policies usually won’t cover accidents when the vehicle is used for work.
Insurance solution: Commercial auto insurance protects your service vehicles and liability if you’re in an accident on the job.
As a plumber or HVAC professional, you’re trusted to keep homes and businesses safe and comfortable. But without the right insurance, one accident, claim, or theft could set your business back significantly. Insurance doesn’t just protect against risks—it gives you the confidence to focus on what you do best.
At Leavitt Select Insurance, we understand the challenges plumbers and HVAC contractors face every day. From liability to tools to vehicle coverage, we’ll help you build a policy that fits your business and keeps you protected where it matters most.
Want to make sure your plumbing or HVAC business is covered? Contact us today to connect with one of our local advisors.
