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, legal defense costs, and more. Recover quickly from losses and lawsuits with insurance policies designed for plumbers.

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Plumbers can compare insurance quotes from top providers online with Insureon. Fill out one easy application to get quotes in minutes.

What types of business insurance do plumbers need?

These policies provide coverage for the most common plumbing risks.

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
Product liability insurance

Workers’ compensation insurance

Most states require workers' comp for plumbing businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR

Employee medical expenses
Missed wages
Employee injury lawsuits

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 insurance

This policy helps pay for repair or replacement of a plumber contractor's pipe cutters, blowtorches, and other tools and equipment when they are lost, damaged, or stolen.

BEST FOR

Equipment less than five years old
Mobile equipment
Small tools

Looking for different coverage? See more policies.

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.

How much does insurance cost for plumbers?

Man in construction vest and helmet calculating insurance costs.

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

Plumbing services offered
Business equipment and property
Revenue
Location
Number of employees

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What our customers are saying

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