Business Insurance for Plumbers

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From a plumber injuring his back to water damage at a client’s home, your small business could face medical bills, lawsuits, and more. Protect it with insurance policies designed for plumbers.

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One application, multiple quotes

Plumbers and plumbing contractors can compare insurance quotes from top U.S. carriers online with Insureon. Fill out one application to receive multiple quotes.

What types of business insurance do plumbers need?

These policies provide coverage for the most common plumbing risks.

General liability insurance icon

General liability insurance

This policy covers common plumbing risks, such as property damage caused while carrying a pipe through a client’s home. Bundle with property insurance for savings in a BOP.

BEST FOR
  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for plumbing businesses that have employees. It can cover medical bills for work-related injuries.

BEST FOR
  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

This policy covers third-party injuries and property damage caused by a plumber’s vehicle, as well as repairs to vehicles damaged by weather or vandalism.

BEST FOR
  • Physical damage and collision coverage
  • Injuries caused to another person
  • Vandalism and theft
Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance

This policy helps pay for repair or replacement of a plumber’s pipe cutters, blowtorches, and other tools and equipment that is lost, stolen, or damaged.

BEST FOR
  • Equipment less than five years old
  • Mobile equipment
  • Small tools
Looking for different coverage? See more policies.

How much does insurance cost for plumbers?

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Several factors will have an impact on insurance costs, including:

  • Plumbing services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
What our customers are saying
"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"
Jessica Shannon
Customer since 2016
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Why do plumbers need insurance?

As a commercial or residential plumbing professional, every new project introduces potential liability. An employee could sustain an injury while soldering pipes, or a customer could sue over water damage. Plumber insurance covers medical bills, lawsuits, and other expenses that might otherwise place a tremendous burden on your business.

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