A service call can involve customer property, expensive tools, employees, and a business vehicle—all before the repair is finished. Start with a coverage review that follows how your plumbing business actually operates.
Discuss your coverage ↗A leak discovered after you finish a job can raise questions about resulting damage, your workmanship, and completed operations. General liability may respond to certain third-party claims, but the cost of correcting your own defective work may be excluded. Ask how your policy treats both.
Tools in a truck, at a jobsite, or in storage may need different protection from business contents kept at your office. Review theft conditions, storage requirements, scheduled equipment, deductibles, and valuation.
Tell your agent who drives, how vehicles are used, and whether employees use personal vehicles for business errands. Discuss commercial auto, hired and non-owned auto, and employee injury exposures.
You can start a conversation even if you do not have every detail yet. These items help make the review more useful.
Do not assume it does. A policy may distinguish the defective work itself from resulting damage to other property. Review the actual exclusions and completed-operations terms.
Contact Brian Kuhlman at SIG/CHAPARRAL INSURANCE GROUP. Our Austin office serves Texas business owners with a review of operations, current policies, and available coverage options.
Office: 512-452-2427 · Email Brian
Request a quote ↗Coverage examples are general and do not promise claim payment. Availability and protection depend on underwriting and the issued policy’s limits, conditions, and exclusions. A quote request does not bind or change coverage.
