1752 North Main Street, Weatherford, TX, USA
Protect Your Plumbing Trucks, Vans and Business on the Road
Coverage Options for Texas Plumbers
Your work vehicles are an essential part of your plumbing business. Whether you're driving a service truck to a customer's home, sending employees to multiple jobsites or operating a fleet of plumbing vans, you need insurance designed for business use.
TexasPlumbersInsurance.com, powered by Bergen Insurance Agency, specializes in commercial auto insurance for Texas plumbers and plumbing contractors.
We help plumbing companies compare commercial auto insurance options for individual work trucks, service vans and larger plumbing fleets.
Get a Commercial Auto Quote for Your Plumbing Business
Why Plumbers Need Commercial Auto Insurance
Plumbers spend a lot of time on the road.
Your trucks may be used to:
- Travel between service calls
- Transport employees to jobsites
- Pick up pipe, fittings and supplies
- Carry plumbing tools and equipment
- Tow trailers or equipment
- Respond to emergency service calls
- Travel between your shop, supply houses and customers
Using a vehicle for business creates different risks than ordinary personal driving.
A properly structured commercial auto policy can help protect your plumbing business when an insured vehicle is involved in a covered accident.
Does Personal Auto Insurance Cover a Plumbing Truck?
Don't assume a personal auto policy provides the protection you need just because the vehicle is titled in your personal name.
Coverage for business use varies by insurance company and policy. Regularly using a truck or van for plumbing service calls, transporting equipment, visiting jobsites or other business activities can require commercial auto insurance.
The important question isn't simply who owns the truck.
It's how the vehicle is being used.
Bergen Insurance Agency can help you determine whether your plumbing vehicles should be insured on a commercial auto policy.
Commercial Auto Coverage for Plumbing Contractors
A commercial auto policy can include several important coverages depending on the policy and options selected.
Auto Liability
Helps protect your business when an insured driver is legally responsible for bodily injury or property damage caused to others in a covered accident.
Collision Coverage
Can help pay to repair or replace an insured plumbing truck or van following a covered collision, subject to your deductible and policy terms.
Comprehensive Coverage
Can help protect an insured vehicle against covered non-collision losses such as theft, vandalism, hail, fire and certain weather-related damage.
Uninsured & Underinsured Motorist Coverage
Can provide protection when your insured vehicle is involved in an accident with a driver who has no insurance or doesn't have enough insurance, subject to the coverage selected and policy terms.
Personal Injury Protection
PIP may provide benefits for certain medical expenses and lost income following a covered auto accident, subject to Texas law and the policy.
Rental Reimbursement
If a covered loss puts one of your plumbing vehicles in the repair shop, optional rental reimbursement coverage may help with eligible rental expenses, subject to policy limits and conditions.
Commercial Auto Insurance for One Truck or an Entire Plumbing Fleet
You don't need a large plumbing company to need commercial auto insurance.
We can help insure plumbing businesses operating:
One Work Truck
If you're an owner-operator running service calls from a pickup or van, we'll help you explore coverage appropriate for your business use.
Multiple Service Vehicles
As your plumbing company grows and adds employees and vehicles, we'll help make sure your insurance keeps up with your operation.
Plumbing Fleets
For established plumbing companies operating multiple trucks or vans, we'll help evaluate drivers, vehicles, liability limits and available coverage options.
Whether you have one plumbing truck or twenty, the goal is the same: protect your vehicles and your business without paying for coverage you don't need.
Are Tools Inside My Plumbing Truck Covered?
This is an important coverage gap for plumbers.
Don't assume your commercial auto policy automatically covers all of the tools and equipment carried inside your truck or van.
Your plumbing business may have thousands of dollars invested in:
- Sewer and drain machines
- Inspection cameras
- Jetters
- Pipe threaders
- Press tools
- Locating equipment
- Power tools
- Hand tools
Commercial auto insurance primarily protects the vehicle and auto-related liability exposures.
Your portable plumbing tools and equipment may need separate tools and equipment/inland marine coverage.
Learn More About Tools & Equipment Insurance for Texas Plumbers →
Hired and Non-Owned Auto Insurance for Plumbing Companies
Does an employee ever use a personal vehicle to pick up parts or supplies?
Does your plumbing company rent or borrow vehicles?
That's where Hired and Non-Owned Auto (HNOA) coverage may become important.
Hired auto coverage can address certain liability exposures involving vehicles your business rents, leases or hires.
Non-owned auto coverage can address certain business liability exposures when vehicles your company doesn't own—such as an employee's personal vehicle—are used for business purposes.
HNOA generally does not replace the vehicle owner's own auto insurance. Instead, it can help protect the plumbing business from certain liability exposures arising from the use of hired or non-owned vehicles.
Ask us whether Hired and Non-Owned Auto coverage makes sense for your plumbing operation.
How Much Commercial Auto Liability Does a Texas Plumber Need?
The minimum amount required by law isn't necessarily the amount appropriate for your plumbing business.
Plumbing contractors may have customers, general contractors or commercial contracts requiring higher commercial auto liability limits.
The appropriate limit depends on factors including:
- Contract requirements
- Number and type of vehicles
- Number of drivers
- Where your company operates
- Type of plumbing work performed
- Value of the business
- Umbrella or excess liability requirements
We'll help you evaluate your coverage rather than automatically choosing the lowest available limit.
What Affects the Cost of Commercial Auto Insurance for Plumbers?
Commercial auto premiums can vary considerably from one plumbing company to another.
Insurance companies may consider factors such as:
- Number of vehicles
- Vehicle type and value
- Number and age of drivers
- Driving records
- Claims history
- Coverage limits
- Deductibles
- Vehicle use
- Operating radius
- Where vehicles are garaged
- Annual mileage
That's one reason working with an independent insurance agency can be valuable.
Instead of being limited to one insurance company, Bergen Insurance Agency can compare available options from multiple carriers.
Commercial Auto Insurance Built Around Plumbing Contractors
A plumbing company isn't the same as a generic small business.
Your trucks are constantly moving between customers, supply houses and jobsites. Your employees may drive company vehicles, and your trucks can carry expensive equipment every day.
We understand these exposures.
Bergen Insurance Agency can also help coordinate your commercial auto coverage with other important plumbing insurance, including:
General Liability Insurance
Workers' Compensation
Tools & Equipment Insurance
Commercial Umbrella Insurance
Responsible Master Plumber (RMP) Insurance
That gives you an insurance program built around your plumbing business rather than a collection of unrelated policies.
Why Texas Plumbers Choose Bergen Insurance Agency
We Understand Plumbing Contractors
You shouldn't have to explain your plumbing business to your insurance agent.
We specialize in insurance for Texas plumbers and understand the coverage needs of plumbing contractors.
Independent Insurance Agency
We're able to explore options from multiple insurance companies instead of being tied to a single carrier.
Fast Certificate Service
Need proof of commercial auto insurance for a customer or general contractor?
We understand that waiting on a Certificate of Insurance can hold up a job.
Service After the Sale
Adding a truck? Hiring a new driver? Replacing a vehicle?
We're here to help with policy changes and coverage questions after your policy is issued.
Commercial Auto Insurance FAQ for Texas Plumbers
Do plumbers need commercial auto insurance in Texas?
If a vehicle is being used for plumbing business activities, commercial auto insurance may be appropriate or necessary depending on the vehicle's ownership, use and policy terms. Don't assume a personal auto policy covers regular business use.
Can I insure just one plumbing truck?
Yes. Commercial auto insurance isn't only for large fleets. Owner-operated plumbing companies can insure a single eligible work truck or van.
Can employees drive my company trucks?
Employees can potentially be covered drivers, but drivers should be properly disclosed to the insurance company and must meet the carrier's underwriting requirements.
Does commercial auto cover my plumbing tools?
Not necessarily. Portable tools and equipment may require separate inland marine or tools and equipment coverage.
What if an employee uses their own vehicle for company business?
Your business may need non-owned auto liability coverage. This is something we recommend discussing with your insurance agent if employees use personal vehicles for company errands or other business activities.
Can I add trucks during the policy year?
Generally, vehicles can be added or removed as your business changes, subject to the policy terms and underwriting requirements. Contact us when you purchase or replace a vehicle rather than assuming it is automatically covered.
Get a Texas Plumber Commercial Auto Insurance Quote
Your trucks keep your plumbing business moving.
Make sure your insurance keeps up with them.
Bergen Insurance Agency specializes in commercial insurance for Texas plumbing contractors. We'll help you compare commercial auto options and build coverage around the way your business actually operates.
Get Your Commercial Auto Insurance Quote
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