Plumbing Insurance 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. These are not hypothetical — they are the daily realities of running a plumbing business. Without the right insurance, any one of these incidents can put you out of business.

New Decade Insurance is an independent brokerage specializing in plumbing contractor coverage across California, Texas, Florida, and Arizona. We shop multiple A-rated carriers to find you the best combination of coverage and price.

Why Plumbers Need Specialized Insurance

Plumbing carries unique risks that generic business insurance does not 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 Coverage

Save 10-15% by Bundling Your Coverage

Combining General Liability, Workers' Comp, Commercial Auto, and Tools & Equipment into a single package from one carrier typically saves plumbing contractors 10-15% compared to purchasing each policy separately. Adding Tools & Equipment coverage to an existing bundle often costs just a few hundred dollars more. We build custom bundles that maximize your savings across multiple A-rated carriers.