This document provides an overview of different types of insurance policies that plumbers in California should consider. It outlines general liability, workers compensation, commercial auto, property, and license bond insurance. General liability helps protect against lawsuits for injuries at a job site or after work is completed. Workers compensation is required by law to cover employees for work-related injuries. Commercial auto insurance is needed if using a vehicle for business. Property insurance covers tools, machinery, and other business property from damage. A bond is required to obtain a plumbing license in California.

1. An Overview Of Plumbers insurAnce
Express Service Insurance Agency provides California Plumbers Insurance
with affordable commercial insurance for the following types of policies:
 General Liability Insurance
 Workers Compensation Insurance
 Commercial Auto Insurance
 Property (inland marine) Insurance
 State License Bond

2. Plumbing Contractors
General Liability Insurance helps to protect you and your company's assets by
providing defense against lawsuits.
Top 5 Coverage features in General Liability Insurance for California
Plumbers:
Bodily Injury: Physical harm to a person at your place of business, or an injury
caused by your employee at a client's site.
Completed Operations or Products Liability: This pertains to losses after you
have completed work for a customer. Ex. Installing wiring or any appliances.
Personal Injury: Damage to the reputation or rights of a person or business due
to slander, libel, copyright infringement, invasion or privacy, false arrest, wrongful
eviction, etc.
Advertising Injury: Losses caused by your advertising regardless if it is spoken or
in writing.
Medical Payments: Pays the medical expenses of a person injured on your
premises (a customer, client, visitor, or even a trespasser) up to a stated amount,
regardless of fault.

3. Workers Compensation insurance is required by law to cover you or your
employees for any injuries while on the job. This is essentially health insurance,
but only covers your employees for work related injuries. In California, it is
recommended to not go lower than $1,000,000 in coverage for accident or
disease.
Commercial Auto insurance is also required when you use your vehicle for
business use. If you advertise on your vehicle it is also required by law to get this
type of automobile coverage. Whenever you take tools or supplies out of your
vehicle, you have a risk of damaging other property.
Property Insurance is needed for any tools and machinery that you use in your
daily business operations. Theft, fire, and water damage are just some of the
many types of covered perils for this type of coverage. Your personal
homeowners or renters insurance policy will not cover any business property. It
is wise to get a good estimate of how much your property is worth before
deciding on getting an insurance quote.
Bond's are also required when getting licensed with the California Board. You
cannot get a license without getting a bond.
For more information visit our site: http://www.einsurancecalifornia.com/