Business insurance • Virginia plumbing contractors
Virginia Plumbing Contractor Insurance: Master Plumber, PLB License, and Coverage
Virginia licenses plumbers twice: individuals hold DPOR tradesman licenses such as Master Plumber, and plumbing businesses hold a Class A, B, or C contractor license with the Plumbing (PLB) specialty for jobs over $1,000. PLB requires a Master Plumber as the qualified individual. Employers with more than two employees must carry workers’ compensation.
This guide covers Virginia plumbing licenses, financial requirements, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Virginia, and a licensed agent can compare quotes for your plumbing business.
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Virginia plumbing licenses
| Class | Financial requirement |
|---|---|
| Class A | $45,000 net worth or a $50,000 bond |
| Class B | $15,000 net worth or a $50,000 bond |
| Class C | No net worth or bond minimum |
Businesses doing plumbing work over $1,000 need a PLB contractor license, qualified by a Master Plumber. Master Plumbers renew every three years with three hours of continuing education. Source: Contractor License Requirements (Virginia plumber guide).
See our Virginia contractor license bond guide.
Virginia workers’ compensation
Virginia employers that regularly employ more than two employees must carry workers’ compensation (Contractor License Requirements (Virginia contractor guide)).
Coverage most Virginia 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 Virginia 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.
Virginia plumbing insurance FAQs
What license does a Virginia plumbing business need?
A DPOR Class A, B, or C contractor license with the PLB specialty for work over $1,000, qualified by a Master Plumber.
Does Virginia require general liability for plumbers?
DPOR sets no minimum, but most clients, owners, and localities require it.
Do Virginia plumbers need workers’ comp?
Employers that regularly employ more than two employees must carry it.
Related guides
- Plumbing contractor insurance
- Virginia roofing contractor insurance
- Virginia contractor license bond
- Virginia contractors insurance
- General liability insurance
- Workers’ compensation insurance
- Commercial auto insurance
- Contractor insurance
- Virginia electrical contractor insurance
- Virginia 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.
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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