Current insurance coverage
General liability and workers’ comp proof is required quarterly, not just at onboarding.
Most plumbing jobs carry real risk—ladders, pipes under pressure, heavy equipment. A plumber without current general liability insurance leaves you exposed: property damage, third-party injuries, or accidental demolition of buried utilities can land liability squarely on the homeowner. On BostonPlumbers.com, we pull proof of coverage directly from insurers or verified brokers, and cross-check policy numbers and expiration dates to avoid fraud or outdated documents.
Workers’ compensation insurance protects both the plumber’s crew and you. If a lone worker slips in your basement and needs hospital care, the absence of workers’ comp could mean personal legal exposure for you—even if they subcontracted labor. Massachusetts mandates coverage for all employers with employees, and we require it regardless of crew size. This coverage verifies they carry liability for job-site accidents, not just property damage.
Regular verification helps ensure protection holds through seasonal shifts in coverage—like when a subcontractor’s policy lapses between projects or a business changes carriers. Policies expire, but work continues. We flag any provider whose coverage falls outside a reasonable validity window, preventing accidental engagement. For commercial clients managing multi-family buildings or small retail spaces, this is critical for insurance audits and liability management.
