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How much does insurance cost for plumbers?

Plumbers' insurance costs depend on your policy limits, your business risks, your equipment value, and other factors. Cost estimates are sourced from policies purchased by Insureon customers.

General liability insurance icon

General liability insurance costs for plumbers

Plumbers pay a median premium of less than $125 per month, or $1,480 per year, for general liability insurance. This policy provides protection against third-party injuries, third-party property damage, and advertising injuries.

Insureon’s licensed agents typically recommend purchasing a business owner’s policy, which bundles general liability insurance with commercial property insurance at a discounted rate. It protects your own business property along with covering common business risks.

Median cost per year: $1,480
Policy limit: $1 million per occurrence
Policy deductible: $500

Learn more about general liability insurance.

Workers’ compensation insurance icon

Workers’ compensation insurance costs for plumbers

The median premium of workers’ compensation insurance for plumbers is less than $180 per month, or $2,130 annually. This policy, which is required in almost every state for businesses that have employees, can help cover medical fees and lost wages for work-related injuries and illnesses.

Learn more about workers' compensation insurance.

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Commercial auto insurance icon

Commercial auto insurance costs for plumbers

At a median premium of about $150 per month, or $1,795 annually, commercial auto insurance provides coverage for vehicles your plumbing business owns. It can help pay for property damage and medical costs in an accident, along with weather damage, theft, and vandalism.

Median cost per year: $1,795
Generic policy limit: $1 million

Learn more about commercial auto insurance.

Contractor’s tools and equipment coverage icon

Contractor’s tools and equipment insurance costs for plumbers

Plumbers pay a median premium of about $15 per month, or $170 annually, for contractor’s tools and equipment coverage.

A form of inland marine insurance, this policy helps cover the repair or replacement of lost, stolen, or damaged tools and equipment.

Median cost per year: $170
Generic policy limit: $5,000

Learn more about contractor's tools and equipment coverage.

Get free quotes and compare policies with Insureon

Insureon’s construction and contracting insurance agents work with top-rated U.S. carriers to find coverage that fits your plumbing business, whether you operate independently or hire employees. Apply today to compare quotes from multiple carriers with one free online application. If you decide to purchase a policy, you’ll work with an account manager who specializes in the unique risks facing plumbers.

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