People don’t tend to think about the drains they use every day until they become clogged and in need of drain cleaning services. That’s when they depend on experienced drain cleaners to fix the problem quickly. While this job usually goes smoothly, sometimes an unexpected mistake occurs that the drain cleaner may be financially liable for. If you run a drain cleaning business and cannot afford to pay out of pocket for any mistakes you make, you need to protect yourself with drain cleaner insurance.
Just as with other types of business insurance coverage, you can expect some significant benefits in exchange for an affordable premium. Consider some of the top advantages of buying drain cleaner insurance for your business.
- It Saves You Money on Unexpected Expenses
When your job requires you to work on plumbing systems in homes and businesses regularly, it’s essential to have a financial backup plan in case something goes wrong on the job. After all, a broken pipe can cause thousands of dollars in damage, and you could be responsible for that if you don’t have insurance to rely on.
If it’s clear that your mistake led to extensive property damage, your customer will expect you to pay for the repairs. If you refuse, they could bring a lawsuit against you that will cost you money and time to fight in court. Either way, drain cleaner general liability insurance will protect you, as it will fund the repairs and pay for your legal fees in a lawsuit. If you cannot afford to pay for property damage or lawsuits, you need drain cleaner insurance.
- It Safeguards Expensive Equipment
Working on drains involves using heavy or specialized equipment that likely cost you quite a bit to buy when you started your business. If you can’t afford to immediately replace it if it breaks or gets lost or stolen, it’s a good idea to get drain cleaner insurance that includes coverage for your tools.
Without this coverage, you might have to temporarily stop offering drain cleaning services until you can afford to buy the tools and equipment required for the job. In most cases, paying for tools coverage costs far less than closing your business for weeks or months while you try to get the funds to replace expensive tools of the trade. That’s why buying drain cleaner insurance with tools coverage is recommended.
- It Keeps You and Your Employees Safe
Cleaning drains can be a dangerous job. Not only do you often have to dig up pipes and enter small spaces, but you might also work with hazardous chemicals, sharp tools, and heavy machinery. No matter how skilled or experienced you are, there is always a possibility that you will become injured on the job, resulting in cuts, broken bones, burns, and more. Fortunately, drain cleaner insurance can help you pay for medical bills when injuries occur.
Insurance is especially important if you have employees working for you. If you don’t have drain cleaner insurance that includes workers’ compensation, you might be liable for the medical bills when an employee is hurt at work. When you add workers’ compensation to your business insurance policy, you and your employees will have peace of mind that none of you will be responsible for paying the medical bills that can start adding up after a work-related injury or illness.
- It Protects You and Your Team on the Way to Every Job
Each drain cleaning job starts with a drive to someone’s home or business, and you deserve to feel protected the entire way. After all, even the most careful drivers can’t always avoid being involved in a car accident on the way to or from a job. If you’re relying on your personal car insurance policy to provide protection, you should know that it typically does not apply when you’re traveling for work.
That’s why you need a drain cleaner insurance policy with auto insurance coverage. This will pay for property damage and injuries sustained in a work-related crash, ensuring that you and your employees have the financial support necessary after being involved in a serious accident on the road.
- It Can Help You Get More Work
Another reason to get drain cleaner insurance is to expand your customer base. Many people won’t even consider hiring companies that don’t carry business insurance, as they want to ensure they’re protected in case employees damage their property or get injured at their home. This means you should make it clear that you’re insured if you want their business.
In fact, some individuals and businesses are only allowed to hire contractors with insurance, especially if they have a warranty or government contract to abide by. This means you won’t even be on their radar unless you’re insured. They typically want to ensure you have general liability coverage at least, as well as a surety bond that guarantees the work will be done as promised.
Paying for drain cleaner insurance protects not only your business as a whole, but also your family, employees, and customers. To start enjoying all the benefits of business insurance, request a quote from a trusted insurance company today.
For more articles, visit OD Blog.
