Plumbers Insurance

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Why do plumbers need insurance?

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.

Plumber fixing the pipe under a sink.
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Find affordable coverage

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.

What types of business insurance do plumbers need?

These insurance policies cover the most common risks of plumbing.

General liability insurance icon

General liability insurance

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).

  • Legal fees from third-party accidents
  • Product liability coverage
  • Personal injuries and advertising injuries
Business owner’s policy icon

Business owner's policy

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.

  • Accidents that injure clients
  • Client property damage
  • Stolen or damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

  • Employee medical expenses
  • Disability benefits
  • Employer's liability coverage
Commercial auto insurance icon

Commercial auto insurance

This policy covers bodily injuries and property damage caused by a plumber’s vehicle. Each state has its own auto liability insurance requirements.

  • Property damage caused by your vehicle
  • Auto accident injuries
  • Vehicle 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 plumbing contractor's pipe cutters, blowtorches, and other tools and equipment. It's a type of inland marine insurance.

  • Equipment less than five years old
  • Equipment that travels to job sites
  • Small tools
Professional liability insurance icon

Professional liability 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).

  • Undelivered services
  • Work errors and oversights
  • Professional negligence
Looking for different coverage? See more policies.

How much does plumber's insurance cost?

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A contractor who works alone will pay less for small business insurance than a larger plumbing company.

Factors that affect plumbing insurance costs include:

  • Services offered, such as residential or commercial plumbing
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Coverage limits and deductibles
View Costs

How do I get plumbing insurance?

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed agents work with top-rated U.S. insurers to find the most affordable insurance and surety bonds that fit your plumbing business, whether you're a contractor, subcontractor, or employer.

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