Plumbers Insurance

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Plumbers Insurance That’s Made Just for You

Whether you’re a self-employed plumber or run a large operation, you need insurance that keeps up with your busy schedule. That’s precisely what we provide here at Simply Business.

You see, we’re more than an online business insurance brokerage. We build highly unique, tailored, and affordable policies based on your plumbing business needs - not the other way around.

You get exactly what you need. That means no overpaying for coverage that doesn’t make sense for your business. And no one-size-fits-all policies - just insurance designed specifically for plumbers like you.

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What Type of Insurance Do I Need as a Plumber?

Plumbers face a lot of unique risks. Not only do you spend a lot of time on clients’ properties, but you also handle heavy equipment and spend a lot of time traveling to and from projects.

That’s why we recommend the following insurance for plumbers:

General Liability Insurance for Plumbers

General liability insurance - also known as commercial general liability (CGL) insurance - is a type of business insurance policy that covers costs associated with third-party accidents, property damage, and client lawsuits. Without this type of coverage, you and your business may be held accountable for these costs.

General liability insurance usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • Defense costs
  • And more

General liability insurance does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to own employees
  • Known claims or potential claims
  • And more

Learn more about General Liability Insurance.

Contents Coverage for Plumbers

Like most plumbers, you’ve spent a lot of money building up your equipment and tools over the years. But would you be able to replace them all if they were damaged or stolen?

That’s why we recommend adding contents coverage to your overall plumbing contractors insurance. Contents coverage provides financial protection if your tools are damaged or stolen during the course of your work. If this happens, your policy may cover the cost of repairing or replacing your work tools (up to your selected coverage).

Our contents coverage can be affordably packaged with our general liability insurance, so be sure to request it when shopping for a quote.

Workers Compensation Insurance for Plumbers

If an employee gets sick or injured while working for you, workers compensation insurance can provide your plumbing business with financial protection. This type of policy may be required by your state as soon as you hire your first employee, so it’s good to add it to your plumbers insurance coverage.

Here’s how workers compensation insurance works: If an employee injures himself while on the job, this policy can cover medical costs and lost wages. Having this coverage prevents an employee from suing your plumbing business for their workplace injuries.

Workers compensation insurance usually covers:

  • Medical payments
  • Lost wages
  • Rehabilitation expenses
  • Death benefits

Plumbers Insurance FAQs

Finding insurance for plumbers can be confusing, but we’re here to make the process a lot easier. Check out our answers to the most frequently asked questions about finding and buying plumbers insurance.

Do plumbers need insurance?

Without a doubt, yes! Insurance for plumbers can be fundamental for protecting your money, your employees, your tools, and the safety and property of your customers. Without this insurance, you’re personally liable for any damages or accidents your business causes.

And even if your business didn’t cause the damage, you’d still have to pay out-of-pocket for legal bills if your client decided to sue you. If the bills are high enough, they may even put you out of business.

What does plumbers insurance cover?

Plumbers insurance can be customized to provide protection against the biggest risks to your plumbing business. So whether you need just general liability insurance to cover you in case of accidental water damage, or you want to insure your tools and equipment, we can add these policies to your overall plumbers insurance coverage.

Is plumbers insurance a legal requirement?

That really depends on where you live, as some states require it, while others don’t. If you have questions about what your state requires, give us a call and one of our insurance agents can help answer your questions.

Even if your state doesn’t require you to be insured with plumbers insurance, there are several reasons you should carry it:

  • Insurance for plumbers prevents you from paying out-of-pocket for property damage and accidents.
  • It can cover legal costs in the event your business gets sued.
  • Customers may be reluctant to hire you unless you have insurance coverage.
  • Your state may require you to have a policy in order to be licensed.

How much does plumbers insurance cost?

While there’s no one answer for how much plumbing contractors insurance costs, you can get a good estimate for what you may pay based on:

  • The number of employees and subcontractors you work with
  • Your business location
  • The type of plumbing services you provide
  • And more

Want to find out how much your plumbers insurance will cost? Click here to answer a few questions so we can help you learn how much you can expect to pay for your plumbers insurance policy.

Why Choose Simply Business?

Simply Business is an online business insurance brokerage that lets you compare and buy policies from top insurers. We have over a decade of experience in making business insurance clear and simple for our customers.

We pride ourselves on making business insurance:

  • Fast and Affordable: You have better things to focus on, like running your business. Our policies are fast, affordable, and ready when you are.

  • Tailored to You: Forget one-size-fits-all insurance. Get the protection your business needs, when you need it most.

  • Flexible with Coverage: Whether you need increased coverage for the busy season or policies for a large project, Simply Business can help.

After all, you’ve worked hard to build your plumbing business. That’s why we offer the best coverage to protect it.

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