An Overview Of Plumbers insurAnce

Express Service Insurance Agency provides California Plumbers Insurance with affordable commercial insurance for the following types of policies:

General Liability Insurance Workers Compensation Insurance Commercial Auto Insurance Property (inland marine) Insurance State License Bond

Plumbing Contractors

General Liability Insurance helps to protect you and your company's assets by providing defense against lawsuits.

Top 5 Coverage features in General Liability Insurance for California Plumbers:

Bodily Injury: Physical harm to a person at your place of business, or an injury caused by your employee at a client's site.

Completed Operations or Products Liability: This pertains to losses after you have completed work for a customer. Ex. Installing wiring or any appliances.

Personal Injury: Damage to the reputation or rights of a person or business due to slander, libel, copyright infringement, invasion or privacy, false arrest, wrongful eviction, etc.

Advertising Injury: Losses caused by your advertising regardless if it is spoken or in writing.

Medical Payments: Pays the medical expenses of a person injured on your premises (a customer, client, visitor, or even a trespasser) up to a stated amount, regardless of fault.

Workers Compensation insurance is required by law to cover you or your employees for any injuries while on the job. This is essentially health insurance, but only covers your employees for work related injuries. In California, it is recommended to not go lower than $1,000,000 in coverage for accident or disease.

Commercial Auto insurance is also required when you use your vehicle for business use. If you advertise on your vehicle it is also required by law to get this type of automobile coverage. Whenever you take tools or supplies out of your vehicle, you have a risk of damaging other property.

Property Insurance is needed for any tools and machinery that you use in your daily business operations. Theft, fire, and water damage are just some of the many types of covered perils for this type of coverage. Your personal homeowners or renters insurance policy will not cover any business property. It is wise to get a good estimate of how much your property is worth before deciding on getting an insurance quote.

Bond's are also required when getting licensed with the California Board. You cannot get a license without getting a bond.

For more information visit our site: http://www.einsurancecalifornia.com/