Plumbing Contractors Insurance
California Plumbing Contractors Insurance Savings Program!
Below is a brief overview of the plumbing contractors insurance you should have. Please keep in mind that GDI Insurance Agency, Inc. works hard to help you earn premium discounts! We provide at no cost full HR systems, Wellness Plans, Group Health, OSHA Safety Program, Workers Compensation insurance including claims management and Mod control programs, along with Fleet Safety programs and disaster recovery plans. Just call 888-991-2929
Our Comprehensive Plumbing Contractors Insurance Includes:
- Workers Compensation Insurance
- Business Liability Insurance
- Commercial Auto Insurance or Fleet Insurance
- Construction Equipment Insurance
- and many other types
We can never forget that one small error can prove deadly for both the worker and customers. Make sure you are protected!
Plumbing contractor insurance offers financial protection for your landscaper business by paying for legal expenses, lawsuits, and property theft — helping you avoid some of the huge costs that devastate lawn care businesses.
California Plumbing Contractors Operations
Plumbing contractors install, repair and replace plumbing and piping to connect to water supplies, gas utilities, sewer connections, appliances, sprinklers, and irrigation systems. Other services the plumbing contractor may provide are retail sales of hardware and even appliances, as well as remodeling services for kitchen and bathrooms.
Property exposures depend upon the work done by the contractor at his own premises. Some contractors have facilities to construct their own piping, so cutting and welding would be done at the yard site. In those cases, fire exposures may be high. Welding has exposure from the storage of tanks of gases that must be handled properly to avoid loss.
The welding operations themselves need good controls. Are the welding operations separated from the other operations either in a cutoff area or by flash and welding curtains?
Other fire concerns are from the storage and cutting of the piping and fixtures that may be plastic and pose exposure to toxic fumes should a fire occur. Plastic plumbing and piping use adhesives that may be flammable. Handling and storage of flammables need good controls. If repair work on vehicles and equipment is done in the building, fire hazards may be much higher.
Theft can be a high exposure if inventories of valuable metals such as copper or brass are at both the yard and the job sites.
Inland marine exposures include contractor’s equipment, goods in transit and installation floater. Contractor’s equipment is generally limited to employees’ tools but equipment may be rented, leased or borrowed for specific jobs. If the insured is involved in selling the product to be installed, there is a goods in transit exposure to review. When goods are installed over a time period, the installation floater exposure exists and must be evaluated. A key question is the security of the job site.
Premises liability is a concern at the job site. Contractors can damage customer’s premises when removing old plumbing and piping and installing new. There is also the possible bodily injury to customers. Background checks are imperative for any employee who will have regular contact with customers.
Completed operations exposures can occur if the plumbing or piping is not properly installed and leaks or water damage occur. This could result in significant property damage. If sewer connections are faulty, leaking sewage can cause bacteria and disease, and additional substantial property losses.
Environmental concerns need evaluation from the disposal of waste and the old debris that has been removed from the structure. Are proper disposal methods used for the type of waste encountered? What procedure is in place when asbestos and other hazardous items are encountered in existing structures? What training and handling methods are used? These types of items have serious liability, workers compensation and environmental considerations.
Commercial Automobile liability depends on the radius of operation. Age, training, experience, and drivers’ records, as well as the age, condition, and maintenance of the vehicles, are all important items to consider.
Workers compensation exposures vary based on the plumbing job. Burns from the welding operation can occur both at the yard site and job site. If welding is done in small, confined locations, additional exposure exists to fire, fumes and vapors. Cuts and amputations can result from the cutting of piping and plumbing. Fumes and vapors from the adhesives can cause eye, skin and lung irritations. Ventilation is important. If the contractor does any excavation to connect to utilities or to install sprinklers and irrigation systems, potential losses from digging and trenching could occur.
More Than Just Contractor Insurance
Are your employees trained on general safety best practices?
GDI Insurance Agency, Inc. can offer you a construction-specific employee safety manual. This manual includes sections on common hazards, such as silica exposure, heavy equipment operation and hazard communication.
How do your employees stay aware of construction procedures?
We can give you access to our library of customizable workplace policies to keep your employees mindful of important construction safety practices. These policies cover topics such as permit-required confined spaces, respiratory protection and lockout/tagout procedures.
Does your business comply with federal and California employment laws?
Construction companies that fail to comply with federal and state employment laws can face serious fines and penalties. Using our California specific guides, you can implement workplace policies to remain informed of your responsibilities and stay in compliance with regulations.
GDI Insurance Agency, Inc. We’re on Your Side
GDI Insurance Agency, Inc. spear heads the effort to turn the tide of outrageous unfounded get rich quick ambulance chasing attorneys bringing unfounded construction defect litigation. GDI steps in the ring with our clients to help fight unfounded construction defect claims. Most consumers don’t understand the impact to their home of even filing such a claim. We make sure they get the message all to help our clients!
We even created a program to even help our clients get their projects funded”
Hopefully by now you are wondering why you have your California contractors insurance anywhere else but GDI Insurance Agency! Just give us a call at 1-888-991-2929 and we will get you the lowest rate for contractors general liability insurance available, but also give you all these added services and more.
Protecting All Types of Contractor and Construction Companies!
GDI Insurance Agency, Inc. provides California Contractors Insurance solutions specifically-tailored for construction businesses exactly like yours!
We have many specialty construction insurance programs to choose from:
Our Contractors Insurance Tools Will Put You in the Driver’s Seat!
Our agency can help you build solid loss control and safety programs to help you stay on top of your biggest risk management and compliance challenges, such as:
Workplace Safety Programs
Our transportation industry safety manual and employee safety resources can provide your place of business with useful injury prevention information.
Compliance and Recordkeeping
You are responsible for complying with regulations from OSHA, DOT and more. Let us show you how to do so correctly.
Building a Safety Culture
Our employee safety materials help you promote a safety-minded workplace. We have flyers, posters, payroll stuffers.
We have reference materials, forms and checklists that will help you remain in compliance with DOT/FMCSA regulations.
OSHA Compliance Program for Contractors
Does your broker provide you with timely updates on new and revised OSHA regulations?
OSHA constantly updates its standards and requirements, and even a single update can drastically impact the construction industry and your regular operations. We can provide you with attorney-reviewed documents that outline your obligations, making it easy for you to focus on your construction projects instead of complicated OSHA rules.
Are you prepared for an Unannounced OSHA inspection?
If an OSHA inspection finds violations at one of your construction sites, you could face fines and watch your reputation plummet. We can offer you construction-specific compliance resources and inspection guides to help you address potential issues before they occur.
Does your Construction business comply with OSHA’s hazard communication standards?
Construction employees often have to work with or around hazardous substances, and even one incident can lead to serious injuries and costly fines. Our clients have access to construction-specific toolbox talks and articles, as well as workplace posters and hazard communication programs that can ensure your business is compliant with OSHA standards.
GDI Insurance Agency, Inc. California Plumbers Workers Compensation Insurance Experts!
We can get you better rates today, and position you to get better rates in the future.
Do you know that California Worker’s Compensation rates can be discounted by as much as 55%? And that your CA modification factor can save you nearly another 40%! GDI Insurance Agency, Inc. can help you save money on your Workers Comp, call us today 1-209-634-2929
We offer all of our clients free OSHA compliant safety programs tailored to your business and focused on reducing the claims you are having. We support this with a full HR program that is the platform used for integrating your workers compensation insurance claims cost control program, which we put together and monitor for you.
Learn About the GDI Client Philosophy!
If You Think This Sounds Too Good To Be True, Here Is What Just A Few Of Our Clients Have To Say about their Contractors Insurance:
"“…$385,000 less a year than we were paying
We looked hard at all our budget items, and insurance seemed to be a big fixed expense. GDI found us a policy for $385,000 less a year than we were paying”
-CA Home Builder
"…found me coverage for $140,000 less a year
When everyone else said that was the best they could do, I called GDI, and they found me coverage for $140,000 less a year than anyone else offered.”
-CA Cement Contractor
GDI Insurance Agency, Inc. Your Trusted Business Insurance Experts
At GDI Insurance Agency, Inc. we will do the work for you to ensure you have the best protection plan for your California business automobiles. Not only that, but as you can see, we will go the extra mile to make sure your business is protected from the inside-out.
Located in Turlock, CA we have offices throughout California’s Central Valley, Northern California and beyond.
To put the GDI Insurance Agency, Inc. experts to work for you, simply fill click our quote button above or call our office today at 1-888-991-2929 to learn more about GDI’s Exclusive California Commercial Contractor Insurance Program!