Las Vegas Nevada Plumbing Insurance
Regardless of whether your Las Vegas, NV /Clark County, NV plumbing company is a one-man operation or a company with numerous plumbers and trucks operating as a large corporation, the one thing they have in common is their need to be protected. When discussing insurance coverage for Plumbers, we understand the many risks that are associated with plumbing, just one accident or mistake, whether it is a major or minor one, could carry severe damages, ones that could potentially cause your company to go out of business. Now ask yourself a question, could your company survive a claim or lawsuit? Could your company afford to pay out thousands of dollars for a claim such as a part you installed that broke and flooded a home? We understand that plumbing contractors are involved in many aspects such as handling repairs, installing piping, fixtures, and fittings among the many items they take care of each day, and, as such, they know it is imperative that they keep an eye on every detail, and this should also apply to their insurance needs as well.
Since 2001, the experienced brokers at PJO Insurance Brokerage have been working with Plumbing Companies to assist them in creating the proper insurance program for their particular needs. Listed below are just a few of the coverages that are available for Plumbing Companies:
The first step in protecting your Las Vegas/Clark County, NV Plumbing company is to acquire General Liability Insurance Coverage. By having a General Liability Insurance Policy, it will protect your plumbing company from negligence related to your company’s business activities resulting in property damage or claims of bodily injury. Also, this type of insurance coverage will provide your company legal defense in the event that a lawsuit or claim is filed against it.
Workers Compensation Liability:
Workers’ Compensation Liability Insurance, which is mandatory in Nevada, provides coverage for your company’s employees’ medical expenses and at least some portion of their lost wages if the employee is injured on the job. Think of Las Vegas Worker’s Compensation Insurance as a form of state-regulated, no-fault liability insurance which will cover your employees’ rehabilitation services, lost wages, medical expenses, or death resulting from a work-related illness or injury. If one of your employees is injured in the workplace, regardless of whose fault it is, they are then eligible for worker’s compensation benefits. When an injury or illness occurs while conducting an employer’s business or performing one’s job duties, employees are entitled to receive worker’s compensation benefits. Also, this type of coverage protects an employer from being sued by an injured worker in most cases.
Property/Inland Marine Coverage:
If your Las Vegas/Clark County, NV Plumbing company were to have an unfortunate event happen such as a theft, a fire, or some similar action that would qualify as a disaster, is your business currently insured for these types of potential disasters? By acquiring a Las Vegas Property Insurance Policy, your company would have protection for such things as your company’s equipment, inventory, furniture, computers, fixtures, and betterments and improvements made to your place of business. Additionally, certain policies may also include coverage for loss of income due to your business being suspended and unable to operate due to a covered loss and may even cover payroll and operating expenses necessary to keep your business going after a covered loss. Most Property Insurance Policies are typically designed to protect the assets at your company’s address, so if your company has materials or equipment that frequently move to different locations, a wise move would be to purchase Inland Marine Coverage as well.
The above coverages are just three of the many different insurance coverages that are available for your Las Vegas/Clark County, NV plumbing company. A small sample of additional insurance coverages available are Contractors Pollution Liability, Employment Practices Liability, Directors & Officers Liability Insurance, Excess Liability/Umbrella Insurance Coverage, and Errors and Omissions Insurance, to name just a few. Since 2001, the professional brokers at PJO Insurance Brokerage have been finding the proper insurance coverage for plumbing contractors and have access to such insurance carriers as Atlantic Casualty, Contractors Bonding & Insurance Company, Colony Insurance Company, First Mercury, Mesa Underwriters, Navigators, Vela, and Hanover Insurance Group, to name just a few of the quality carriers we currently work with. We understand just how important it is to have the proper Las Vegas/Clark County, NV Contractors Insurance, which will be extremely helpful to your company in acquiring new clients as they will feel more comfortable doing business with your plumbing company due to the fact you are insured in case of an accident that may cause bodily injuries or property damages.
As a Las Vegas/Clark County, NV Plumbing Contractor, we know that protecting your company is very important, and having the proper insurance is the first step. To learn more about just what insurance coverages would be beneficial to your Las Vegas/Clark County, NV Plumbing Company, we invite you to contact the experienced brokers at PJO Insurance Brokerage to discuss your many options. We look forward to hearing from you in the near future.