Plumber Insurance
Plumbing contractors face water damage claims, on-the-job injuries, and expensive equipment losses. Our plumber insurance programs are designed for the plumbing trade — from solo operators to full-service plumbing companies.
Coverages we place
- General liability for water damage and third-party property claims
- Workers' comp for injuries from confined spaces, chemicals, and heavy lifting
- Tools & equipment for specialized plumbing tools
- Commercial auto for service trucks and vans
- Completed operations for work after job completion
- Business income coverage for downtime after covered events
- License bonds required by state and local jurisdictions
- Inland marine for pipe, fixtures, and materials in transit
Who needs this coverage
Licensed plumbers, plumbing contractors, drain cleaning services, fire sprinkler installers, and pipefitting companies.
What drives your premium
- Annual revenue and number of employees
- Type of plumbing (residential, commercial, new construction vs. repair)
- Water damage claims history
- Use of subcontractors
- State licensing requirements
Common exclusions
- Pre-existing plumbing defects
- Intentional property damage
- Mold remediation (separate coverage)
- Pollution from sewer backups (endorsement available)
- Work outside your license scope
Frequently asked questions
How much does plumber insurance cost?
General liability for plumbers typically runs $1,000–$3,500/year depending on revenue, employees, and claims history. Workers' comp adds to the cost based on payroll.
Does my insurance cover water damage I cause?
Yes. General liability covers accidental water damage to a client's property. Completed operations covers damage discovered after you leave the job site.
Do I need insurance as a solo plumber?
Yes. Most states require general liability and a license bond. Even without employees, a single water damage claim could be devastating without insurance.
Related coverage
Get a free quote or call (321) 206-8035.