Just as your customers have choices of where to go for their wholesale plumbing supplies and fixtures needs, you have choices with your insurance. It is likely that every agent who calls will tell you they can write business insurance; however, what they may not know is your business! and, even if they know about your business, does the company they are placing you with know about your business? We at Skyscraper Insurance specialize in your business. We have the coverage’s and claims experience to handle your unique needs as a plumbing supplies and fixtures distributor. Our independent agents have all of our resources available to them to make sure you can make the right choices when it comes to the coverage you need. Would you like to speak with one of our agency specialists?
Types of business insurance for a plumbing supplies & fixtures distributor:
Below is a list of common types of business insurances:
- General Liability Insurance. This insurance covers your business against claims for bodily injury and property damage. When adding property coverage to a General Liability policy, this is often referred to as a Business Owner Policy or BOP insurance. There are many facets to BOP insurance. General Liability protects your small business from injury or damage caused by your employees cause or injury to 3rd parties while on your premises. Often a BOP will include products and completed operations liability insurance which helps to protect from injury or damage done by your products or completed operations once they are out of your control. There are many other coverage’s that can be afforded by having a business owner policy like commercial auto insurance, commercial property insurance and even loss of income insurance.
- Commercial Auto Insurance. As a business owner, you need the same kinds of insurance coverage’s for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. While the major coverage’s are the same, a business auto policy differs from a personal auto policy in many technical respects.
Generally, your fixtures and fittings are covered by your landlord buildings insurance, but in some cases – for example if you own a flat and the buildings insurance is arranged by the freeholder – you may decide to take out a policy to cover your fixtures and fittings.
Whether it’s ruined skirting boards or damaged kitchen units, this insurance will help you cover the costs of repairing or replacing any damaged fixtures and fittings in your property.