Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Plumbing is the trade where a small mistake becomes a large property damage claim faster than any other. Water finds the floor, then the ceiling below it, and the bill is rarely about the fitting that failed.
At a glance
The four policies
General liability
Harm to other people and their property. The one every job site asks for.
Commercial auto
The truck or van, because a personal policy excludes business use.
Workers compensation
Required in Arizona from your first employee. ARS 23-902.
Tools and equipment
Inland marine. Not covered by the auto or the liability policy.
Bring to the quote
Your ROC license number and a description of the work you actually do.
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Four policies cover a plumbing contractor properly, and they are not interchangeable. General liability answers when your work damages somebody else's property, which in this trade is the claim that actually happens. Commercial auto covers the van. Workers compensation covers your crew, and Arizona requires it from the first helper you put on the payroll. Tools and equipment covers what is in the van, which neither of the other two touches.
The exposure that defines plumbing is water damage, and specifically water damage that appears after you have left. A supply line, a fitting, a water heater connection, a repipe: the failure can be days or weeks later, which puts it under completed operations rather than ongoing operations. Make sure your general liability includes products and completed operations, and make sure the aggregate limit is not something a single condominium claim would exhaust.
Service plumbers working in occupied homes carry a second, quieter exposure: you are in somebody's house, around their belongings, with a helper you are responsible for. That is a liability conversation as much as a workmanship one.
The four policies
Same four names for every trade. What differs is which one fires, and how hard, in your line of work.
602-480-6453Plumbers
Declarations
General liability
Water damage to a customer's property is the plumbing claim.
A failed fitting, a leaking connection or a line hit during a repipe can ruin flooring, cabinetry and the ceiling below, and completed operations coverage is what answers when it surfaces weeks after the job.
Commercial auto
The service van, the parts inside it and your liability on the road.
A personal auto policy excludes business use, and the exclusion is applied at claim time rather than at sale.
Workers compensation
Required in Arizona from your first employee.
Plumbing crews work in trenches, crawl spaces and attics, which is precisely where lifting and heat injuries come from in this state.
Tools and equipment
Press tools, cameras, locators, jetters and drain machines are worth more than most owners realize and are not covered by the auto policy just because they were in the van.
Inland marine is what covers them, including theft from the vehicle overnight.
Illustration of how a declarations page is laid out. Not a real policy.
Your exposure
A plumbing business with one van, one helper and a truckload of tools carries all four of these exposures whether or not there are four policies in the file.
The one most often missing is tools and equipment. Vans get broken into, and a press tool and a camera can leave in one night. The second most often missing is hired and non-owned auto, which covers you when a helper takes their own truck to the supply house.
Certificates are the practical trigger for most of this. General contractors and property managers ask for proof of general liability and workers compensation before you can be on site, and the wording they want is specific.
The truck in the middle is the business. Each label is a separate policy, and none of them covers what the others do.
In their words
5.0 stars across Google and Facebook
“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
RY
Ramez Y.
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
Every review above is quoted in full from Google or Facebook. Read all of them.
Do I need workers comp for one helper?
Yes. Arizona Revised Statutes 23-902 makes employers subject to the workers compensation chapter once they employ workers regularly employed in the business. One helper, part time or seasonal, is enough to trigger it.
Does my personal auto policy cover my work van?
Usually not. Personal auto policies exclude business use, and the exclusion is applied when the claim is filed. A van used for plumbing work belongs on a commercial auto policy.
Are my press tools and drain machines covered if the van is broken into?
Not by the auto policy and not by general liability. Tools and equipment are covered under an inland marine policy, which follows them in the van, on the job and in storage.
What if a leak shows up weeks after I finished the job?
That is a completed operations claim. It falls under your general liability only if products and completed operations coverage is included and still in force. It is worth confirming rather than assuming, particularly if you change carriers.
How fast can I get a certificate of insurance?
Send us the certificate request with the exact wording the general contractor or property manager wants, including any additional insured or waiver of subrogation requirement, and we will get it issued correctly the first time.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options for your business. Commercial auto, general liability, workers comp and a business owners policy can all sit with one local agent in Peoria, AZ.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
Tell us about your business: the work, the vehicles and the crew.2
We compare several carriers for the whole package: auto, liability and workers comp.3
A real person from our office calls you back with options. No robo-dialers.Service area
We write plumbers insurance in Arizona for contractors across Peoria, Glendale, Surprise and the West Valley. Plumbing insurance in Arizona is really four policies, and plumber liability insurance is only the first of them. Plumbing contractor insurance in Peoria starts with your ROC number and a description of the work you take.
Get a commercial quote
Tell us about the business. We compare several carriers and call you back with options.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Send us the insurance requirements and we will tell you whether your current limits clear them.
