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Plumbing Fixtures & Supplies
Business Insurance for Plumbing Wholesalers
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Plumbing Fixtures & Supplies
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Your customers depend on you to deliver quality fixtures, pipes, and other supplies on time. Business insurance for plumbing wholesalers covers costs when a shipment is delayed, or a fire damages your warehouse.
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What types of insurance do plumbing wholesalers need?
These policies cover the most common risks faced by plumbing wholesalers.
General liability insurance
This policy covers basic plumbing wholesaler risks, such as customer property damage and injuries. Bundle with commercial property insurance for savings in a BOP.
BEST FOR
- 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.
BEST FOR
- Employee medical costs
- Partial missed wages
- Employee injury lawsuits
Business owner’s policy
A BOP bundles commercial property insurance and general liability insurance in one plan. It's often the most cost-effective type of business insurance for plumbing wholesalers.
BEST FOR
- Customer injuries
- Inventory damage or theft
- 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.
BEST FOR
- Customer injury lawsuits
- Customer property damage lawsuits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance for plumbing wholesalers can pay for property damage and injuries in an accident. It can also cover vehicle theft, weather damage, and vandalism.
BEST FOR
- Vehicle accidents
- Vandalism and theft
- Weather damage
Surety bonds
Surety bonds guarantee that an insurance company will reimburse a client if a plumbing wholesaler fails to deliver products or fulfill the terms of a contract.
BEST FOR
- Failure to deliver products
- Contract disputes
- Shipping delays
Looking for different coverage? See more policies.
Why do plumbing wholesalers need business insurance?
A small plumbing wholesale business might never recover 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.
How much does insurance cost for wholesalers?
Several factors will have an impact on insurance costs, including:
- Wholesale products and services offered
- Business equipment and property
- Revenue
- Location
- Number of employees
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