Whether you work with a crew or on your own, you need the kind of coverage that you know has your back. The best plumbing insurance can be customized to your unique needs – and we have it here for you.

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Plumbing Insurance to Protect Your Small Business

What is plumbing insurance?insurance for plumbers

Plumbing insurance can refer to several types of policies that protect your business from potential lawsuits, damage and financial liabilities. The right insurance coverage can help mitigate common risks that plumbers and plumbing contractors face, such as:

  • Client injury or property damage as a result of a plumbing repair or project.
  • Accusations that you made mistakes or were negligent in completing a job
  • Thefts or damage to plumbing tools
  • Getting into a car accident while driving to a job.
  • Injury to one of your employees while working on a project.

Plumber insurance is beneficial in other ways, too, as it gives customers assurance your company is financially backed in potential unforeseen events, such as an accident, property damage, or injuries related to the job.

Do plumbers need insurance?

Plumbing businesses are businesses. Just like any other businesses, you need business insurance to protect your personal interests and assets. Whether you are a residential or commercial plumber, you have unique challenges, risks, and insurance needs. These are among the types of insurance you need to purchase if you own a plumbing business.

Small-business insurance can help protect plumbers from claims of bodily injury and property damage, as well as other damage or accidents that occur while on the job. Employers, cities or states may require that plumbers carry business insurance in order to begin work on a project or qualify for a plumbing license.

Who Needs Plumbers Insurance?

Our plumbing insurance can help protect:
  • Plumbing contractors and business owners.
  • Septic system workers.
  • Piping contractors.
  • Drainage system installers.
  • Sewer hookup contractors.
  • Sprinkler installers.
  • Sump pump installation and servicing contractors.
  • Water pump installation and servicing contractors.
  • Water system balancing and testing contractors.
  • Home builders, developers and renovators.
  • Handyman

How Much Does Plumbers Insurance Cost?

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small plumbing businesses ranges from $27 to $49 per month based on location, size, payroll, sales and experience. This policy provides protection against third-party injuries, third-party property damage, and advertising injuries.

The cost of your plumbing insurance will depend on a variety of factors such as:

  • Business Location
  • Number of employees
  • Nature of your plumbing work/types of projects your work on
  • Claims history
  • Numbers of policies
  • Amount of coverage

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What types of insurance do plumbers need?

At a minimum, plumbers should have general liability insurance to protect against third-party claims of bodily injury or property damage. Additional coverage — such as professional liability insurance, business property insurance and commercial auto insurance — may be beneficial as well, depending on the individual business and its level of risk.

Here are some of the different types of plumbing insurance you might consider, and what these policies typically cover.

Type of insurance

What it covers

Claims of third-party bodily injury, property damage and personal and advertising injury.

If a client trips over a pipe you put on the floor while repairing a sink and breaks their wrist, this policy would cover their medical expenses, as well as any legal or settlement fees if they file a lawsuit against you.

This policy would also cover the cost to replace a client’s bathroom mirror if it shatters while you’re trying to repair the sink.

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small plumbing businesses ranges from $27 to $49 per month based on location, size, payroll, sales and experience.

Claims of professional negligence, error, breach of contract or failure to deliver a service on time.

If you’re installing plumbing for a house remodel and make a mistake in the installation that causes the system to fail, the owner could sue you for the error. This policy would cover your legal and settlement costs associated with the lawsuit.

Construction businesses and contractors pay a median of about $85 per month, or $1,000 per year, for professional liability insurance.

Business property or buildings that are damaged by certain accidents, weather events or other hazards.

If a fire breaks out in your office and destroys all of your plumbing equipment, your business property insurance would cover the costs to replace it.

The median cost of commercial property insurance is $63 per month or $755 per year with a limit of $60,000 and a median deductible of $1,000.

Medical expenses of employees who are injured or get sick while at work.

Most U.S. states require employers to have workers’ comp for their employees. If one of your plumbers falls off a ladder while fixing a pipe and dislocates a shoulder, your workers’ compensation policy would cover any related medical expenses.

The median premium of workers’ compensation insurance for plumbers is less than $180 per month, or $2,130 annually.

Vehicles that you use for business purposes, such as driving to plumbing projects.

Covers accident-related expenses resulting from injuries, death or property damage.

If you’re driving your work van to pick up supplies and accidentally hit a car in the store’s parking lot, this policy would pay to repair the damage to the car.

At a median premium of about $150 per month, or $1,795 annually, commercial auto insurance provides coverage for vehicles your plumbing business owns.

Product liability insurance

Claims of physical injury or property damage as a result of a defective or flawed product, such as pipes, tubes or tanks.

If you install a new pipe in a kitchen sink, and a defect in the pipe causes the pipe to break and the sink to flood the kitchen — your customer could sue you for the damage to their kitchen.

Your product liability insurance would cover the cost to repair the kitchen, as well as legal and settlement costs.

Tools and equipment insurance

Cost to repair or replace equipment that is damaged or stolen. You can sometimes add this coverage to another type of policy, like your general liability insurance.

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

Regulating Agency and References

Insurance Information Institute (III)

This organization’s mission is to improve public understanding of insurance – what it is and how it works.
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