Wholesale Plumbing Distributor Insurance
Why do plumbing wholesalers need business insurance?
A small plumbing wholesale business might never recover financially from a fire, lawsuit, or other misfortune. Business insurance gives you peace of mind and helps cover unexpected costs, like an auto accident involving a company vehicle. Plumbing wholesalers usually need it to fulfill requirements for state laws, leases, and client contracts.
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What types of insurance do plumbing wholesalers need?
General liability insurance
This policy covers basic plumbing wholesaler risks, such as customer property damage and injuries. Bundle it with commercial property insurance for savings in a BOP.
- Slip-and-fall accidents
- Damaged customer property
- Product liability insurance
Workers’ compensation insurance
Most states require workers' comp for wholesale plumbing distributors that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical costs
- Disability benefits
- Employee injury lawsuits
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of business insurance for plumbing wholesalers.
- Customer injuries
- Stolen or damaged inventory
- Business interruption incidents
Commercial umbrella insurance
Once a policy’s limit is reached, umbrella insurance boosts coverage on a plumbing wholesaler’s general liability, commercial auto, or employer’s liability insurance.
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers costs when a plumbing wholesaler's vehicle is involved in an accident. It can also cover vehicle theft, weather damage, and vandalism.
- Vehicle accidents
- Vandalism and theft
- Weather damage
Cyber insurance
A cyber liability policy helps plumbing wholesalers recover from data breaches and cyberattacks. It's recommended for any small business that stores credit card numbers or other sensitive data.
- Customer notification costs
- Credit monitoring services
- Data breach investigations
How much does insurance cost for wholesalers?
A small plumbing wholesaler can expect to pay less for insurance than a larger business.
Factors that affect the cost of wholesaler insurance include:
- Wholesale products and services offered
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get plumbing wholesaler business insurance?
It's easy to get business insurance and surety bonds for plumbing wholesalers if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your wholesale plumbing business, whether you work independently or hire employees.
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