Plumbers are trained professionals that install and repair the water and plumbing systems in residences and commercial buildings. Through classroom education and hands-on training, they learn new things. If you enjoy fixing things and interacting with people, plumbing is a fantastic career choice. Plumbers can work in private residences, businesses, farms, parks, and other open spaces. Plumbers with experience may establish and manage their own business and work with novice and intermediate plumbers. Even though being a plumber is a dirty job, it can get even worse if you are the subject of a liability claim while working for another company. You put your assets, your business, and yourself at jeopardy if you work as an uninsured plumber, septic installer, pipe fitter, or general contractor who teams up with other specialists to perform plumbing services. Plumbers must have plumbing insurance in order to start a job or qualify for a professional licence, thus they should have it.
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To protect oneself from third-party claims of personal injury or property damage, plumbers should at the very least carry general liability insurance. Additional coverage, such as professional liability insurance, business property insurance, and commercial auto insurance, may be helpful depending on the particular business and level of risk. The more coverage you need, the more your workplace insurance will cost. General liability, professional liability, workers’ compensation, and commercial auto insurance are all more expensive for a company with many employees to purchase than they are for a self-employed plumber who only needs these coverages. If a customer breaks their wrist after falling over a pipe you lay on the floor while replacing a sink, general liability insurance would cover medical expenses in addition to any legal or settlement costs.