Most Plumbing Insurance policies come with at least a few coverages and may have many. Some of the more widely available coverages that plumbers often select are:

• General Liability Coverage, which might protect against liability lawsuits arising from common accidents or defamation claims

• Errors and Omissions Coverage, which might protect against suits arising from mistakes made in a plumber’s work

• Commercial Umbrella Coverage, which might protect against especially expensive suits by providing supplemental protection

• Commercial Property Coverage, which might protect owned buildings, equipment, supplies and inventory

• Inland Marine Coverage, which might protect equipment, supplies and inventory while it’s being taken to or from job sites

• Commercial Auto Coverage, which might protect owned trucks, vans and other vehicles

• Installation Floater Coverage, which might protect purchased supplies form the time of purchase until the time of installation

Plumbers who drive their personal vehicles for work purposes beyond normal commuting should speak with a knowledgeable insurance agent to make sure they’re properly protected.

Whether a personal or plumbers policy covers this type of driving requires reading through the terms, conditions and exclusions of each policy and applying them to a particular situation. An insurance agent who’s well-versed in plumbers policies will know how to assist with this process.