Plumbers Insurance for Contractors | Affordable, Custom Coverage

What Is Plumbers Insurance?

Plumbers insurance is a bundle of policies designed to protect plumbing contractors from financial loss due to property damage, injuries, faulty workmanship, stolen tools, and more.

Most plumbing contractors need multiple types of coverage to fully protect their business — from general liability and property insurance to commercial auto and workers’ comp.

How Much Is Insurance for a Plumbing Business?

Costs depend on your location, number of employees, services offered, and annual revenue. That said, here are some average estimates:

Policy Type	Monthly Estimate
General Liability	$65–$120
Commercial Auto	$90–$180
Workers’ Compensation	$110–$250 (per employee)
Inland Marine (Tools/Equipment)	$25–$60
Professional Liability	$50–$100
Business Owner’s Policy (BOP)	$100–$200 (bundled)

💡 These are general ranges — exact premiums vary by state, claim history, and job scope. Always compare quotes to ensure the best fit.

Do I Need Insurance for My Plumbing Business?

If you do paid plumbing work — yes, you probably do. Here’s why:

It may be required by law. Many states and municipalities require liability insurance to maintain a license.
General contractors often demand proof. If you’re subcontracted, they’ll likely ask for a certificate of insurance.
Clients expect it. Homeowners and commercial clients want to know they’re protected if something goes wrong.
It protects you. Accidents, faulty installs, or stolen tools can lead to costly lawsuits or delays.

Basic Plumbing Business Insurance Coverage

Here are the core policies most plumbers should carry:

General Liability

Covers third-party bodily injury, property damage, and legal fees if you’re sued.

Commercial Auto

Protects your work vehicle(s) used to transport tools, equipment, and staff.

Inland Marine / Equipment Coverage

Covers theft or damage to tools, pumps, pipe cutters, or machines while on the job or in transit.

Workers’ Compensation

Required if you have employees. Covers medical costs and lost wages for work-related injuries.

Other Plumbing Business Insurance You Might Need

Depending on your jobs and contracts, consider:

Professional Liability: Covers claims of negligence, missed deadlines, or faulty recommendations
Business Owner’s Policy (BOP): Bundles general liability and property insurance — great for small shops or offices
Umbrella Insurance: Adds extra liability protection over your primary policies
Bonding: Required for some municipal jobs or permits

Get a Plumbing Insurance Quote Today

Whether you’re unclogging drains or installing full water systems, we’ll help you find the right coverage fast. We work with top-rated carriers who understand the risks of your trade.

Share this post

Support

FAQs About Plumbers Insurance

We have answers for you on all things insurance.

Is Plumber's Insurance required by law?

Many states require liability insurance to get or maintain a plumbing license. Check with your local licensing board.

Do I need Plumber's Insurance if I work alone?

Yes — even solo plumbers can be held liable for property damage or injuries. Plus, tool theft is common.

What’s covered under tools and equipment insurance?

It usually covers lost, stolen, or damaged tools — whether they’re at the job site, in your truck, or in storage.

re subcontractors covered under a basic Plumber's Insurance policy?

Typically not — unless specifically added. Subcontractors should carry their own insurance.

Do I need commercial auto if I just use a pickup truck for my plumbing business?

Yes, if the vehicle is used for work purposes (transporting gear, job site visits, etc.), personal auto insurance likely won’t cover claims.