Plumbers

piping on-premises, the potential for fire or explosion increases due to sparks and flames produced by the welding process, which involves the use of tanks of gases that must be stored and handled properly. There should be basic controls such as chained storage of the tanks in a cool area and the separation of welding operations away from combustibles, either in a separate room or with flash/welding curtains. PVC piping may release toxic fumes should a fire occur. Plastic piping typically uses adhesives that contain a flammable solvent. Handling and storage of flammables need good controls. If repair work on vehicles and equipment is done in the building, fire hazards may be much higher due to flammables such as lubricants, oils, and degreasers. Plumbing materials that include copper or brass can be targeted by thieves. If these are stored on premises, appropriate security controls should be taken including alarms, lighting, and physical barriers prohibiting access after-hours.

accounts receivable if the plumber offers credit to customers, computers for tracking inventory, goods in transit, or installation exposures. Backup copies of all data should be stored off-premises. Contractors’ equipment includes employees’ tools and equipment that may be rented, leased or borrowed from others for specific jobs. Goods in transit includes supplies (adhesives, caulking, welding tanks) and materials to be installed. Hazards in transit include collision, shifting of goods during transport, and oversized loads. Improper loading o inadequate tie down increases the potential. Equipment at a job site can be damaged by drops from heights, weather damage, or by vehicles. Equipment and supplies left at job sites are subject to theft and vandalism. If the plumber rents, leases or borrows equipment or rents, leases or loans equipment to others, the lease contract should specify responsibilities for providing insurance.

should be performed on all employees handling money. There must be a separation of duties between persons handling deposits and disbursements and reconciling bank statements. If customers pay the plumber at the job site, receipts should be provided. Plumbing materials that include copper or brass can be targeted by thieves.

or water damage. Bacteria from leaking sewage connections can cause illness, as well as substantial property damage from hidden mold and fungus. In larger jobs, such as sprinkler installation, accidental discharge or the failure of the system to operate properly represents a potentially catastrophic exposure from water damage or fire. If the plumber installs natural gas household appliances, poor connections can result in carbon monoxide poisoning or an explosion.

these materials may be contaminated with waste or include lead piping and asbestos insulation. Spillage and leaking of pollutants into the air, ground, or water can result in high cleanup costs and fines. Disposal procedures must adhere to all EPA and other regulatory standards. Adequate procedures should be in place and must be followed to prevent any leakage or contamination. Training and
supervision of employees are critical.

 equipment that require special tie-down procedures. There may be transportation of hazardous waste to approved landfills. All drivers must be well-trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location.
Drivers may need a hazardous materials (“hazmat”) endorsement to transport some waste and old insulating materials removed from structures.

Goods in Transit, Installation Floater,
Valuable Papers and Records, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella/Excess Liability, Automobile Liability and Physical Damage, Hired and Nonownership Auto, Workers Compensation, Building, Business Income with Extra Expense, Equipment Breakdown, Flood, Leasehold Interest, Legal Liability, Computers, Riggers Liability, Cyber Liability, Employment Practices Liability, Stop Gap Liability, Commercial Crime