Business insurance • Georgia plumbing contractors
Georgia Plumbing Contractor Insurance: Master Plumber Licenses and Workers’ Comp
Georgia’s Construction Industry Licensing Board licenses Journeyman Plumbers and Master Plumbers statewide. Master Plumber Class I covers homes, townhomes, and small multifamily and commercial buildings, while Class II is unrestricted. The license does not set a liability minimum, but businesses with three or more employees must carry workers’ compensation.
This guide covers Georgia plumbing licenses, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Georgia, and a licensed agent can compare quotes for your plumbing business.
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Georgia Master Plumber licenses
| Class | Scope | Experience |
|---|---|---|
| Class I | Single-family homes, townhomes, multifamily up to three stories, commercial up to 20,000 sq ft | Four years, including three as a licensed Journeyman |
| Class II | Unrestricted | Five years, including four as a Journeyman |
The license does not require a statewide general liability policy or bond, though permits and contracts may. Renewal is every two years. Source: Contractor License Requirements (Georgia plumber guide).
Georgia workers’ compensation
Employers who regularly employ three or more people in Georgia must carry workers’ compensation, counting regular part-time workers, corporate officers, and LLC members (Georgia State Board of Workers’ Compensation).
Coverage most Georgia plumbers carry
- General liability: third-party injuries and property damage, such as a failed fitting that floods a customer’s home.
- Business owner’s policy: general liability bundled with property coverage for your shop and stock, often at a lower combined price.
- Workers’ compensation: medical bills and lost wages if an employee is hurt on the job.
- Commercial auto: service vans and trucks that carry crews, parts, and equipment.
- Tools and equipment (inland marine): pipe threaders, drain machines, and cameras on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What Georgia plumbers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $147 | $1,768 |
| Business owner’s policy | $213 | $2,559 |
| Workers’ compensation | $179 | $2,150 |
| Commercial auto | $285 | $3,415 |
| Tools and equipment | $42 | $505 |
| Professional liability | $67 | $808 |
| Commercial umbrella | $93 | $1,111 |
Costs reported by Insureon for plumbing businesses that bought policies through its site, mostly with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
Georgia plumbing insurance FAQs
What is the difference between Georgia Master Plumber Class I and Class II?
Class I is limited to homes, townhomes, multifamily up to three stories, and commercial buildings up to 20,000 square feet. Class II is unrestricted.
Does Georgia require general liability for plumbers?
The license does not, but permits, contracts, and most clients often do.
Do Georgia plumbers need workers’ comp?
Businesses that regularly employ three or more people must carry it.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, your state, your payroll, the work you do, and your claims history.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
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