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.