Plumbing business insurance
Keep your business flowing smoothly with insurance designed for plumbers.
Plumbing contractor insurance designed to protect your business’s unique operations.
Understand how various types of plumbing contractor insurance can offer unique forms of protection against unexpected risks.
Your plumbing business insurance should be as unique as your daily operations. Learn how SECURA’s insurance for plumbers can protect your business, and then find an independent insurance agent to create a custom policy.
General Liability
Your employee is replacing outdated plumbing in an older home. During the process, their tools accidentally fall and break a pipe joint, causing water damage to the home’s interior. General Liability insurance could help pay for the repair costs of the damage and any legal defense fees if the homeowner decides to file a claim against your business for damages.
Errors and Omissions
A few weeks after installing a new water heater in a residential home, the water heater malfunctions and causes significant water damage to the customer’s basement. Despite your best efforts, the customer claims negligence on your part, alleging improper installation. Errors and Omissions coverage could help protect you by covering legal fees and potential repair costs incurred due to the alleged error in the installation process.
Workers’ Compensation
Your employee is working in a cramped crawl space to repair a leak. While maneuvering in the tight area, they severely strain their back. This injury requires medical treatment, physical therapy, and time away from work to recover. Workers’ Compensation coverage could help provide financial assistance for medical treatments and a portion of the lost wages during the recovery period.
Commercial Auto
Your employee is driving a company work vehicle to a job site and is involved in a traffic accident, resulting in significant damage to the vehicle and bodily injury to the other driver. Commercial Auto insurance can help cover the repair costs for the vehicle and any liability claims for damages to the other vehicle involved in the accident. It can also help pay for medical bills the other driver may incur as part of their recovery.
Inland Marine
While working on a large commercial project, your employees leave their tools and various plumbing fittings at the secured job site overnight. Unfortunately, there is a break-in at the site, and their equipment and tools are stolen. Inland Marine insurance could help provide financial compensation for the stolen items, allowing your employees to replace the stolen items quickly and continue their work with minimal delay, ensuring the project’s progress isn’t significantly postponed.
Additional resources
Joy Krumsee
Joy became part of the SECURA Personal Lines team in 2017 as a customer care agent before transitioning to the Personal Lines underwriter role. In 2022, she joined the Farm Lines team as an underwriter. Prior to joining SECURA, Joy served as an insurance agent and account executive, which gives her great perspective when working with SECURA’s independent agents. In addition to her experience, her enthusiasm for her career helps her thrive in her underwriting role.
“When I started out as an insurance agent, I knew almost immediately that I wanted to be an underwriter one day. I love the investigative, problem-solving aspect of it. I am so thankful to work for SECURA, which isn’t just a great place to work. It’s a place that cultivates strong relationships and independent thinking.”
Before entering the insurance world, Joy served in the U.S. Army from 2004-2007 as a Military Police Officer. As part of that experience, she attended Air Assault School where she had to rappel out of a helicopter while it hovered 60 feet above the ground. Thanks to her time in the Army, she has had the opportunity to live on three continents — North America, Asia, and Europe.
Joy spends her free time going on adventures with her husband and three kids, enjoying live music, reading, playing video games, card and board games, and having fun with friends.
Jarod Kruse
Jarod joined SECURA Insurance in July 2024 as a risk management consultant. He has numerous designations and certifications including NFPA 1403 Lead Instructor, Hazardous Materials Operations Level State Certification, Hazardous Materials Technicians Level, Advanced Technical Certificate — Fire Investigations/Inspections, and Advanced Technical Certificate — Fire Suppression Technician.
Fire fighting has been a passion for Jarod since 2002 as both an on-call and an experienced shift firefighter. He was named Firefighter of the Year in 2010. Jarod resides in Prior Lake, Minnesota with his wife and three kids. He enjoys spending time with his family, fishing, hunting, and camping.
Nathan Kuether
Nathan joined SECURA in 2019 as a Commercial Lines underwriter.
When he is not working, he enjoys woodworking, hiking, camping, and exercising.
Policyholder benefits that work
Risk management services
Exceptional claims experience
Independent local agents
Why SECURA?
SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.