Business Insurance for Plumbers

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What kind of work do you do?
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Save money by comparing plumbing business insurance quotes

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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Get protected, fast

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 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.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Workers’ compensation insurance icon

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.

  • 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.

  • 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 contractor's pipe cutters, blowtorches, and other tools and equipment when they are lost, damaged, or stolen.

  • 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?

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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
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