Plumbers Insurance That Works as Hard as You Do

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:

💡 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.