Every project introduces liability. An employee could sustain an injury while soldering pipes, or a customer could sue over damage from a leaky water heater. The right insurance coverage for plumbers helps you recover quickly from losses. Some policies, like workers' comp, may be required by law.
Plumbers can save money by comparing quotes from top insurers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed insurance agent.
These insurance policies cover the most common risks of plumbing.
A general liability policy covers third-party risks, such as damage caused by a pipe carried through a customer's home. Bundle it with commercial property insurance for savings in a business owner's policy (BOP).
A BOP bundles general liability coverage and commercial property insurance at a discount. It's often the most cost-effective type of insurance for plumbers.
Most states require a workers' compensation policy for plumbing businesses that have employees. It also protects sole proprietors from work-related medical costs that health insurance might deny.
This policy covers bodily injuries and property damage caused by a plumber’s vehicle. Each state has its own auto liability insurance requirements.
This policy helps pay for repair or replacement of a plumbing contractor's pipe cutters, blowtorches, and other tools and equipment. It's a type of inland marine insurance.
Professional liability insurance helps cover legal costs when a plumber is sued for late, incomplete, or negligent work. It's also called errors and omissions insurance (E&O).
A contractor who works alone will pay less for small business insurance than a larger plumbing company.
Factors that affect plumbing insurance costs include:
It's easy to get plumbing business insurance and surety bonds if you have your company information on hand. Our application will ask for basic facts about your company, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed agents work with top-rated U.S. insurers to find insurance and surety bonds that fit your plumbing business, whether you're a contractor, subcontractor, or employer.