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For plumbers
Our insurance program can hold waterLeaky pipes. Clogged drains. Loose joints. You handle
emergencies like these every single day. Because you’re so busy solving other
people’s problems, perhaps you’re unprepared for mishaps of your own.
Harleysville can help. We know the plumbing business and the special risks that come with
the trade. We took that knowledge, then pulled out all the stops to create our Plumbers
Advantage Insurance Program.
If you’d like to learn more about this special program, contact an agent in your area. Or, get in touch with our office nearest you.
Coverage that meets your specs
Over and above the solid coverage we provide for your buildings, equipment, tools and
supplies on premises, our program includes coverage of up to $25,000 for items that wait
on someone else’s property for you to install.
We insure fixtures, appliances and building materials you own—and those in your
care—against theft and most types of loss at your work locations and during
transport. Coverage extends to your tools and mobile equipment, subject to limitations in
some states.
To help you maintain good customer relations—and keep you out of court—we
insure damage (up to $5,000 per incident and $25,000 per policy term) you accidentally
cause off-premises to property left in your care, regardless of fault.
If your business enjoys seasonal peak periods, coverage on your inventory automatically
increases 25 percent during your busier times with the simple provision that you insure to
100 percent of your average monthly values.
What’s more, your aggregate limit—which typically caps your insurance payout
for an entire policy term—applies separately to each of your projects off
premises
We’ve only highlighted some of the main features of our insurance program. There
are lots more, like:
- Business income/extra expense
We’ll cover your loss of income (up to $25,000)
if your business activity is interrupted by insured damage on premises.
Hired and non-owned auto We cover you for injury or damage caused by your employees
while driving their vehicles for business purposes.
Medical payments Medical expenses are covered for any person (other than officers
and employees) who requires treatment because of an injury related to your business.
Premises boundary The usual 500-foot boundary limitation has been extended to cover
your plumbing supplies within 1,000 feet of your building.
Rental cost reimbursement on contractors equipment We will reimburse you up to $500
a day ($5,000 maximum) for the cost of renting substitute equipment if yours cannot be
used due to a covered loss.
Computer coverage We’ve added special coverage to protect your hardware and
software—on and off premises.
Property of others You’re covered for up to $5,000 on premises for personal
property of others left in your care.
Optional coverages for your business
Harleysville offers an array of options to complement your fundamental program,
including but not limited to:
- Surety bonds
Our surety division—treasury listed for over $30 million—can
provide you with performance, payment, maintenance, supply and miscellaneous bonds to meet
your special needs.
- Agreed value or replacement cost coverage
for your buildings and most property
items.
- Employee dishonesty
With your choice of limits per occurrence.
- Systems breakdown
For heating, air conditioning and electrical systems used to
maintain your business.
- Group coverages
Group term life and short-term or long-term disability coverage is
available to protect—and help you retain—your employees. The cost is
surprisingly low.
- Business continuation
This coverage integrates a funded buy/sell agreement into your
plan, protecting the interest of the owners and the future of your operations.
- Employment practices liability
This coverage protects you against loss resulting
from a wide range of employee lawsuits, including discrimination, sexual harassment and
wrongful termination.
- Employee benefits liability coverage
To protect you against errors and omissions in
administering your employee plans.
- Low-cost fidelity bond
If you provide a qualified pension plan, this is the ideal
way to meet your legal requirements (ERISA) to protect plan participants against theft of
funds.
- Workers compensation
Yes, this absolutely essential coverage is available for your
business. Ask your agent for details.
Life insurance to protect you and your business
We can also handle all of your business life insurance needs. Some examples include:
- Key employee coverage
Designed to protect your business upon the loss of a key
employee. Funds can be used to find, hire and train a replacement, as well as compensate
for lost business during the transaction.
- Simplified pension plans
Owners of small businesses can turn to either a SEP-IRA or
a Simple IRA to get the benefits of a qualified pension plan without the higher
administrative costs and paperwork hassles.
- Debt protection
This coverage can secure the funds needed to pay off your
company’s debt upon the death of an owner, helping your business continue as a viable
entity during this difficult time.
- Non-qualified executive plans Your business may want to reward key people in the
organization with such executive plans as deferred compensation, executive bonus and split
dollar coverage. Each plan rewards the executive while tying them more closely to the
continued success of your business.
We insure families, too!
Harleysville offers a full line of products to meet your personal protection needs as
well:
- Automobile
We offer competitive rates and a wide range of options
- Homeowners
Complete coverage for your personal property and liability needs
- Life
Choose from a wide variety of life insurance plans to protect you and your
family
- Excess liability
Broader coverage for losses above the limit of your underlying
policies
- Shipmate
® Coverage for your boat and liability for protection for you
- Home business
If any household members work out of the home, affordable coverage is
available and can easily be added to your Harleysville homeowners policy.
- And much, much more
Want to know more about our special program for professional plumbers? Contact an agent in your area, or get in touch with our office nearest you.
Note: These coverages are not available in all states. In the event
there are discrepancies between this information and your policy, the terms of your policy
will govern. Consult your independent insurance agent for more information.
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