Coyle Plumbing Heating Air Conditioning – In this video and post, I will discuss a specific type of insurance known as E&O, or contractor’s errors and omissions insurance, looking specifically at plumbing contractors and related jobs such as:
Let’s start with what E&O insurance is and how it differs from the General Liability insurance you already have.
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Your general liability insurance covers damages arising from three main areas or risks: bodily injury, property damage and finally personal injury.
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These are requests from third parties – such as your customers, contractors you work for, or others outside your company.
E&O insurance, on the other hand, will cover damages caused by faulty design, faulty workmanship and faulty products or materials.
Initially, these complaints may start as a complaint from the customer about some dissatisfaction that may turn into a legal dispute.
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Since these types of claims are not covered by your GL policy, it means you pay a lawyer to represent you in court and settle claims out of pocket, which can be expensive.
These three factors are not included in your general liability policy, so you have a big gap here.
In the first instance, the plumbing contractor installed all the supply and sewer lines in the basement of the new home.
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But they failed to follow the plans and the installed pipes were lower than desired, preventing the owner from installing the ceiling and finishing the basement due to limited room the house.
The second case involved an HVAC contractor who installed a large air conditioning unit on the roof of a commercial building, but failed to properly install the unit’s foundation support.
A few months later, a heavy duty plant broke through the roof and fell into the building causing extensive damage to the air conditioning unit, the building and the tenant’s property below.
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Although the contractor’s GL policy paid for some of the property damage claim, most of it was excluded under “your work” “your product”, and the HVAC contractor paid $25,000 out of pocket.
Here, if these contractors had E&O insurance, it would have been worth doing the job again to save them thousands of dollars.
Furthermore, if those disputes had gone to court as some have done in larger projects, the payment of damages and defense costs would have ended.
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Outside of plumbing, heating, HVAC, and related contractors, other types of installation and repair contractors may also require E&O coverage.
No hard sales or gimmicks, I promise – just a little chat so I can answer any questions you may have and see if we can be a good fit for your insurance company.
Business insurance is complex and confusing. Unfortunately, it’s also wrong 90% of the time, putting your biggest asset at risk; Let’s fix that! Plumbing is more than just plumbing and plumbing. A skilled plumber deals with stubborn problems that residential and business owners cannot solve on their own. Installing faucets doesn’t have to be a problem when you work with W.L. Staton plumbing, heating and cooling.
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In V.L. Our Staton Plumbing, Heating and Cooling service covers the Annapolis and Anne Arundel County Maryland area with quality plumbing, repair and installation services. There’s no call-out fee (we don’t charge you to drive away) and we’re a family-owned and operated business that proudly holds an A+ rating from the BBB. We are also long time members of Angie’s List.
We can repair leaks, repair the bathroom, unclog the toilet and repair the kitchen sink; nothing is too big or too small. We’ll fix your plumbing situation with quality service and even clean up yourself so you’re not left with any mess.
Our business is fully insured and a member of the Better Business Bureau. We service the Millersville area with all repairs 100% guaranteed for your peace of mind. You can be sure that we will take care of your plumbing as if it were our own.
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With over 40 years of combined experience serving businesses and private residences in the Millersville area, we’ve seen it all. Approved by the BBB with an unwavering A+ rating, you can be sure you’re getting quality service.
We can provide any plumbing service you need, whether it’s a renovation, new addition, or minor repair, W.L. Staton Plumbing, Heating and Cooling is here for you.
Our technicians are just that, professionals. This means that they are only interested in quoting the work and will not try to sell you services or features that you do not need. We’ve been family-owned and operated since the beginning, so you won’t find a more reliable and trustworthy plumbing service anywhere. Call us to help you solve any plumbing problem you may have with our fast, reliable and affordable service.
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James was great. He did a great job of taking pictures so I could see exactly what was wrong and what he fixed. Cleaned up after work. I am so happy!!
It’s expensive, but I think that’s the regular fees. Joseph was very prompt, efficient, friendly and efficient. 5⭐️
I had several leaks that caused significant damage to my home over the 4th of July holiday. I had two service technicians from two different times Joe Fanning and Joe Tummel, both technicians were experienced, polite and professional. They completed the work in a timely manner. I highly recommend them to my family and friends if they need plumbing services.
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It could be replaced by a water line from the meter to my house. The boys did a great job. They had a large oak tree that was in the way and they used a method to prevent root damage that prevented the tree from eventually dying. They encountered unexpected obstacles that pushed the project forward, but they kept the original quote. I especially liked the text message system that told me they were there and they showed up when they said they would be there. I am very happy with the service there!
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If your pipes are broken, frozen or leaking, we can help. Our professional plumbers will analyze the situation and perform the necessary plumbing services before further damage occurs.
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At Miller Plumbing, Heating and A/C our mission is to adhere to the highest standards of innovation, reliability, integrity and putting our customers’ needs first at all times.
We strive to stay in touch with our customers until the job is complete. For immediate help, to get a free quote, or if you have any questions or special requests, just drop us a line. We look forward to serving you!
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