Built for the risks you actually face.
A burst pipe floods a customer's kitchen. An apprentice slips on a wet surface. Your service van rear-ends another vehicle on the way to an emergency call. Daily realities of running a plumbing business — and every one of them maps to a coverage type we write.
Why plumbers need specialized insurance.
Plumbing carries unique risks that generic business insurance doesn't adequately cover. Water damage liability alone makes plumbing one of the highest-risk trades for property damage claims — a single faulty installation can cause tens of thousands of dollars in damage to a customer's home or commercial property.
On top of that, plumbing is physical work. Cuts, burns from soldering, slips in crawl spaces, and back injuries are common employee hazards. And your crew drives between job sites all day hauling heavy equipment — personal auto policies will not cover vehicles used for business. You need coverage designed for these specific exposures.
Essential plumbing insurance.
- General Liability. Property damage and bodily injury — including water damage from your work.
- Workers' Compensation. Medical bills and lost wages for cuts, burns, slips, and lifting injuries on the job.
- Commercial Auto. Service vans and trucks. Personal auto excludes business use.
- Tools & Equipment. Theft, damage, or loss of the tools and equipment you depend on.
- Umbrella / Excess Liability. Extra limits over GL and auto for catastrophic claims.
Bundle for a lower combined premium.
Combining General Liability, Workers' Comp, Commercial Auto, and Tools & Equipment into a single package from one carrier commonly delivers a lower combined premium than standalone policies — plus one renewal cycle to manage. We build custom bundles across A-rated carriers and bring you the actual number from current quotes.
Questions before the quote.
At minimum: General Liability, Workers' Comp, Commercial Auto, and Tools & Equipment. Larger operations often add a BOP or Umbrella for additional protection.
Get a
today.bundle quote
Tell us about the operation. We'll quote a plumbing bundle from carriers that understand the trade — same-day COIs and additional-insured endorsements included.