Business insurance • Plumbing contractors
Plumbing Contractor Insurance: Coverage, Costs, and State Requirements
Plumbers face water damage claims, job site injuries, and vehicle risk every day. Most plumbing businesses carry general liability, workers’ compensation, commercial auto, and tools coverage, and many states tie insurance to the plumbing license. General liability costs about $147 a month for plumbers, according to Insureon.
This guide covers the policies plumbers carry, typical costs, and how requirements vary by state, with a local guide for each state we serve. Blake Insurance Group is an independent agency, and a licensed agent can compare quotes for your plumbing business.
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Tell us about your plumbing business, crew size, and the work you do, and a licensed agent will follow up. Submitting the form does not bind coverage.
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What plumbing contractor insurance covers
- 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 plumbing insurance costs
| 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.
Plumbing insurance by state
Plumbing licenses, bonds, and insurance rules vary by state. Choose your state for local requirements:
- Alabama plumbing contractor insurance
- Arizona plumbing contractor insurance
- California plumbing contractor insurance
- Florida plumbing contractor insurance
- Georgia plumbing contractor insurance
- Illinois plumbing contractor insurance
- Iowa plumbing contractor insurance
- Kansas plumbing contractor insurance
- Michigan plumbing contractor insurance
- Nebraska plumbing contractor insurance
- New Jersey plumbing contractor insurance
- New Mexico plumbing contractor insurance
- New York plumbing contractor insurance
- North Carolina plumbing contractor insurance
- Ohio plumbing contractor insurance
- Oklahoma plumbing contractor insurance
- Pennsylvania plumbing contractor insurance
- South Carolina plumbing contractor insurance
- South Dakota plumbing contractor insurance
- Tennessee plumbing contractor insurance
- Texas plumbing contractor insurance
- Virginia plumbing contractor insurance
- Washington plumbing contractor insurance
- West Virginia plumbing contractor insurance
What affects your premium
- Payroll and crew size, which drive workers’ compensation cost.
- Residential service versus new construction and commercial work.
- Gas line, sewer, and water heater work.
- Number of service vehicles and driver records.
- Claims history, years in business, and limits your clients require.
Plumbing contractor insurance FAQs
How much is plumbing contractor insurance?
Insureon reports about $147 a month for general liability and $179 a month for workers’ compensation for plumbers.
What insurance do plumbers need?
Most need general liability, workers’ compensation if they have employees, commercial auto, and tools coverage. Many states require proof of insurance for the license.
Does general liability cover water damage from my work?
General liability can cover property damage to others caused by your work, subject to the policy’s terms and exclusions. Ask your agent how your policy handles completed work.
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
Tell us about your plumbing business, and a licensed agent will compare quotes, or start a business insurance quote online with our partners.
