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Business Insurance for Plumbers
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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.
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
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).
BEST FOR
- Legal fees from third-party accidents
- Product liability coverage
- Personal injuries and advertising injuries
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.
BEST FOR
- Accidents that injure clients
- Client property damage
- Stolen or damaged business property
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.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employer's liability coverage
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.
BEST FOR
- Property damage caused by your vehicle
- Auto accident injuries
- Vehicle vandalism and theft
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.
BEST FOR
- Equipment less than five years old
- Equipment that travels to job sites
- Small tools
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).
BEST FOR
- Undelivered services
- Work errors and oversights
- Professional negligence
Looking for different coverage? See more policies.
How much does plumber's insurance cost?
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
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:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
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.
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What to know about plumber licenses and bonds
The licensing, insurance, and bonding requirements for plumbers vary by state. Having the right insurance and bonding can help keep you financially protected, and may be required for some jobs within the plumbing industry.
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