Business insurance • Alabama plumbing contractors
Alabama Plumbing Contractor Insurance: PGFB Registration and Coverage
Alabama’s Plumbers and Gas Fitters Examining Board (PGFB) certifies plumbers, and any company that bids or performs plumbing must register and designate an active Principal Master. The board sets no statewide liability minimum or license bond, and employers with five or more employees generally must carry workers’ compensation.
This guide covers Alabama plumbing registration, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Alabama, and a licensed agent can compare quotes for your plumbing business.
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Alabama plumbing registration
- Plumbing companies register with the PGFB and designate an active Principal Master (Contractor License Requirements (Alabama plumber guide)).
- Master applicants need one year as a Journeyman Plumber, and starting January 1, 2026, must also pass a Business Law exam.
- Certificates renew each year for $175, plus a $25 business registration renewal.
- No statewide general liability minimum or license bond applies, but cities, permits, and contracts may set one.
Alabama workers’ compensation
Alabama generally requires workers’ compensation for employers with five or more employees, including corporate officers, subject to statutory exceptions (Contractor License Requirements (Alabama plumber guide)).
Coverage most Alabama 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 Alabama 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.
Alabama plumbing insurance FAQs
Who licenses plumbers in Alabama?
The Alabama Plumbers and Gas Fitters Examining Board. Plumbing companies must register and designate a Principal Master.
Does Alabama require general liability for plumbers?
The board sets no statewide minimum, but cities, permits, and most clients often require it.
Do Alabama plumbers need workers’ comp?
Employers with five or more employees generally 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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