Business insurance • Tennessee plumbing contractors
Tennessee Plumbing Contractor Insurance: CMC-A License and Liability Minimums
Tennessee requires a state contractor license with the CMC-A plumbing classification before contracting for plumbing of $25,000 or more. General liability scales with the license’s monetary limit, from $100,000 up to $1,000,000, and the board requires workers’ compensation or proof of exemption. Smaller jobs are often licensed locally.
This guide covers Tennessee plumbing licenses, insurance minimums, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Tennessee, and a licensed agent can compare quotes for your plumbing business.
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Tennessee CMC-A insurance minimums
| License monetary limit | General liability minimum |
|---|---|
| Up to $500,000 | $100,000 |
| $500,001 to $1,500,000 | $500,000 |
| Over $1,500,000 | $1,000,000 |
The CMC-A qualifying agent needs three years of plumbing experience. A Limited Licensed Plumber can work below $25,000 in participating municipalities. Source: Contractor License Requirements (Tennessee plumber guide).
Tennessee workers’ compensation
The contractor board requires workers’ compensation insurance or proof of exemption (Contractor License Requirements (Tennessee plumber guide)), and construction employers with one or more employees must carry coverage (Contractor License Requirements (Tennessee contractor guide)).
Coverage most Tennessee 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 Tennessee 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.
Tennessee plumbing insurance FAQs
When do Tennessee plumbers need a state license?
Before contracting for plumbing of $25,000 or more, under the CMC-A classification.
How much liability insurance does a Tennessee plumbing contractor need?
From $100,000 to $1,000,000, depending on the license’s monetary limit.
Do Tennessee plumbers need workers’ comp?
Construction employers with one or more employees must carry it.
Related guides
- Plumbing contractor insurance
- Tennessee roofing contractor insurance
- Tennessee surety bonds
- Tennessee contractors insurance
- General liability insurance
- Workers’ compensation insurance
- Commercial auto insurance
- Contractor insurance
- Tennessee electrical contractor insurance
- Tennessee HVAC contractor insurance
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.
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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.
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