plumber working

Whether you’re a neophyte gambler or a serious poker player, you know that a Full House is almost always a winning hand. Plumbers, however, are a little more discriminating. For a plumber, it’s a Royal Flush or nothing. Like most people, plumbers like to play a hand now and again. But professional plumbers, who work long hours in difficult conditions, never play around with what they cannot afford to lose: their assets and their livelihood.



Want to Play a Game of Insurance?

Two activities have been around seemingly since the beginning of time: playing games – the world’s oldest pastime – and what is known euphemistically as the World’s Oldest Profession. (In case you’re wondering, plumbing is the world’s second oldest vocation.) It did not take long for a man to discover gambling and its accompanying thrills. There is nothing quite like the sensation of winning money; of walking along a precipice in the hopes of catching a windfall.

That’s all good and fine until you go overboard and lose the rent money. That happens mainly to people who suffer from a gambling addiction. They have little sense of self-worth and even poorer judgment. Fortunately, most of us are able to back away from the craps table long before all our money is gone. The piddling losses we suffer amount to little more than a week’s worth of lattes at the local coffee house. We pursue our lips, think wistfully of what might have been, and then move on with our lives. For the high roller, it’s a different story. He blows all his money, and then begs, borrows, and steals so he can keep playing. For him, living on the knife’s edge is the ultimate thrill.



Ask yourself

Does this describe you at all? Do you enjoy living on the edge, a half-step away from financial ruin? Do you enjoy gambling with your possessions and your family’s future? Do you know how much risk you face – and how much you can lose while keeping your head above water? If you’re a professional plumber, the answer to this question is a resounding yes.



Do it Like a Pro

A professional plumber differs from a casual hobbyist in two important areas. First, the professional plumber never takes a risk without a substantial safety net. Second, the professional plumber avoids gambling with his own money. He shares his risk with a large pool of his peers. This group embodies the maxim, “United we stand, divided we fall.” But where can you find a group of people willing to stand with you, shoulder-to-shoulder, against the risks and perils that face you daily? The answer may be simpler than you think.

That group is right at your fingertips, as close by as your telephone or computer. It doesn’t have a sexy name, but like a shining castle on a hill, it holds back the hordes of vandals and thieves. That shining refuge is none other than Plumber’s Insurance, and Farmer Brown Insurance Agency has the keys to the castle. With Plumber’s Insurance acquired through Farmer Brown, your business receives the best protection in the business at rates that won’t squeeze your bank account. You won’t have to spend sleepless nights worrying about a potential slip-up putting you out of business. Plumber’s insurance will keep the dogs of war at bay. They’ll have to deal with us, and we’ve got a legion of dog catchers waiting to be unleashed.



Walk the Line

On the other hand, if you don’t have Plumber’s Insurance, then you’re doing a high-wire act in a windstorm without a safety net. A minor event can mushroom into a major catastrophe, ending up with your being sued. If that suit results in a judgment against you, you can lose all your possessions, current income, and even future income! Do you relish the thought of working for the next 25 years so that a stranger who took everything from you can live the life of luxury? Do you want to have to explain to your teenage son that he cannot play football because you can’t afford to pay for his uniform? Will you be happy taking the bus everywhere, because some yokel got lucky against you in court and seized your cars and trucks?

Those scenarios are scary, but isn’t it true you’ll save money by not having insurance? Yes, that is certainly true. You’ll save a few hundred dollars here and there, and you’ll be able to go out and have a few awesome nights on the town. You won’t be paying for something you don’t think you need. After all, why should you pay out money when you know you’re careful and will never, ever make a mistake? To answer those questions, let’s consider the following.



Are you Mr. Perfect?

Are you flawless? Do you never, ever make mistakes? Have you never had an enemy? Have you never dealt with “the customer from hell?” Do you have employees (or 1099 contractors) on your payroll? Are they perfect, too? What happens if one of them throws a monkey wrench into the works? As the supervisor/business owner, you are the one who is responsible for his behavior. Bad things do happen to good people.



Plumbing Insurance

Take this item, which appeared in Aug. 21, 2015 edition of the Billings Gazette, a Montana newspaper. The article begins, “A jury has decided that two Billings companies must pay almost $1.75 million to a local woman after a drainage system they installed caused damage to the foundation of her home.” Ouch. A $1.75 million verdict! Two companies had to split that tab. How many years of backbreaking work would it take you to come up with that kind of money?

If either company had obtained Plumber’s Insurance through Farmer Brown, chances are, their owners would be breathing huge sighs of relief. Our underwriters typically cover that much and more aggregate on claims.



Call Farmer Brown Plumbing Insurance

Isn’t it about time someone watched your back, for a change? Contact us today for a free, no obligation quote. Find us on the Internet at or speak to a licensed insurance agent on (888) 973-0016. You can never have too much insurance.

Written by: John Brown
John has more than 25 years of experience in the insurance industry. He grew from a star insurance producer to owning one of the largest agencies in the country; he's a reference regarding contractor's insurance, commercial insurance, and builders' risk insurance.