Insurance for Plumbers in Mt. Juliet and Middle Tennessee

Generally, yes, if you have even one employee. Tennessee construction employers with one or more employees must carry workers’ comp, including for part-time and family workers. Eligible owners can apply to exempt themselves through the state’s exemption registry, but employees still have to be covered.

General liability can help pay for claims that your work injured someone or damaged their property, like a customer’s hardwood floor ruined during a job. It generally doesn’t cover your own tools, your employees’ injuries or your vehicles. Limits, exclusions and terms vary by policy.

It depends on your policy. General liability may respond to damage your finished work causes to someone else’s property, but exclusions and conditions vary, and damage to your own work is often treated differently. Let’s go over your policy together so you know how a leak claim would be handled before it happens.

Many general liability policies limit or exclude pollution claims, which can include sewage and mold. If you do sewer or drain work, ask about contractors pollution liability. Availability depends on carrier eligibility and underwriting, so we’ll talk through your work and see what options fit.

Call 615-562-5100 with the certificate holder’s details. When your policy is in place and the request comes in during office hours, we’ll work to get it to you as quickly as we can. A certificate can only show coverage your policy already has, and additional insured requests depend on your policy’s terms.

Often, no. Personal auto policies commonly limit or exclude vehicles used mainly for business, especially vans that carry tools, parts and employees. A commercial auto policy is built for that. Tell us how you use each vehicle and who drives it, and we’ll help you sort out what fits.

Not by general liability. Tools and equipment that travel with you are usually insured under an inland marine or contractor’s equipment policy, which can help with covered theft or damage. Coverage for tools left in an unattended vehicle may have conditions, so we’ll go over the details with you.

It depends on where you work and the job. Some cities and counties require permit bonds, and some project owners require contract bonds. Check with the local codes office for the city or county where you’re pulling permits, and call us about bond options.

No. Our office is on Providence Pkwy in Mt. Juliet, but we work with plumbing contractors across Wilson, Rutherford and Davidson counties, including Lebanon, Murfreesboro, Smyrna, La Vergne, Hermitage and Nashville, plus Gallatin, Hendersonville and the rest of Middle Tennessee.

It helps to have your business name and structure, your license type and number, the kind of work you do, yearly revenue and payroll, how many employees and vehicles you have, and your current policies if you have them. Then call 615-562-5100 or use the form below.