Insurance for Plumbers
Coverage that keeps your business flowing.
Get comprehensive plumber insurance that protects against water damage claims, covers your employees, and meets contractor requirements.
Licensed agents who understand plumbing deliver fast quotes, instant COIs, and expert support for plumbers nationwide.
Talk to a business insurance specialist
Licensed agents who understand your industry and get you competitive quotes fast.
Why Plumber Insurance Matters
Protect your business from the risks of working with water
Plumbing work involves constant water damage risk. A single pipe connection failure can flood a building, destroying floors, walls, furniture, and electronics. Whether you're a residential plumber, commercial contractor, or service and repair specialist, the right insurance protects your business from the property damage claims that can devastate your finances.
Most plumbers need General Liability to cover water damage and injuries, Workers' Compensation for employees (required in most states), and Commercial Auto for service vehicles. Completed operations coverage is essential—it protects you if a leak develops weeks or months after you've finished a job.
Your rates depend on the type of plumbing work you do, your claims history, and your revenue. New construction work typically costs more to insure than service and repair. Working with agents who understand plumbing classification codes helps ensure you're not overpaying for coverage.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
General Liability
RequiredCovers water damage, property damage, and bodily injury claims from your plumbing work.
Workers' Compensation
RequiredRequired for employees. Covers injuries from slips, cuts, back strain, and exposure to hazardous conditions.
Commercial Auto
Protects your service van and tools. Covers accidents and liability while traveling to jobs.
Business Owners Policy
Bundled coverage combining liability, property, and business interruption at a lower cost.
Industry Risks
Common risks you need to protect against
Real risks plumbers face
See how the right insurance protects you when things go wrong
Risk
A water heater connection you installed fails, flooding a finished basement and destroying $40,000 in personal property.
General Liability
Pays for water damage, property replacement, and legal defense—protecting you from a claim that could bankrupt your business.
Risk
A water heater connection you installed fails, flooding a finished basement and destroying $40,000 in personal property.
General Liability
Pays for water damage, property replacement, and legal defense—protecting you from a claim that could bankrupt your business.
Risk
Your technician slips on a wet floor while replacing a toilet and injures their back, requiring surgery.
Workers' Compensation
Covers all medical bills, surgery, rehabilitation, and partial lost wages during recovery.
Risk
Your technician slips on a wet floor while replacing a toilet and injures their back, requiring surgery.
Workers' Compensation
Covers all medical bills, surgery, rehabilitation, and partial lost wages during recovery.
Risk
A sewer line you repaired three months ago backs up, contaminating a restaurant kitchen.
General Liability (Completed Operations)
Pays for contamination cleanup, equipment replacement, and business interruption claims.
Risk
A sewer line you repaired three months ago backs up, contaminating a restaurant kitchen.
General Liability (Completed Operations)
Pays for contamination cleanup, equipment replacement, and business interruption claims.
Why Choose Us
Why plumbers choose 1-800-INSURANCE
- Instant certificates of insurance (COIs) for GCs and property managers
- Coverage for residential, commercial, and new construction plumbing
- Completed operations protection for post-job claims
- Tools and equipment coverage for theft and damage
- Agents who understand plumbing contractor classification codes
- Fast quotes and same-day coverage when you need it
Essential coverage for plumbers
Compare quotes and get the specific policies your plumbing business needs
General Liability
Protect against water damage, property damage, and injury claims from your plumbing work.
Workers' Compensation
Required coverage for employees. Covers slips, back injuries, and workplace accidents.
Commercial Auto
Coverage for your service vehicles and the tools you carry to job sites.
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Plumber Insurance FAQs
What insurance do I need as a plumber?
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Most plumbers need General Liability (with completed operations), Workers' Compensation if you have employees, and Commercial Auto for your service vehicle. Tools coverage through Inland Marine is also recommended.
Does plumber insurance cover water damage I cause?
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Yes. General Liability covers property damage from your work, including water damage from burst pipes, faulty connections, or installation errors. This is one of the most important coverages for plumbers.
Am I covered for work I did months ago?
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Yes, if you have completed operations coverage (standard in most GL policies). This protects you if problems arise after you've finished a job—like a leak that develops weeks later.
How can I lower my plumber insurance costs?
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Maintain a clean claims history, implement safety programs, bundle your policies, and work with agents who understand plumbing classification codes. Some carriers offer discounts for licensed plumbers with proper training documentation.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.