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Plumbers Insurance

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Get Plumbers Insurance That Really Protects You

Whether you’re a self-employed plumber or you run a larger operation, you need plumbers insurance that truly protects you from your biggest risks.

That’s where Simply Business comes in.

We work with the nation’s top insurers to find plumbers insurance policies for you that are comprehensive and affordable. Best of all, we can find those policies for you in under 10 minutes — because we know you don’t have a lot of spare time to shop around.

Ready to get covered? Just answer a few easy questions then compare your free quotes!

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Need more detail? Read our FAQs:

Coverage Type

Policies Available for Plumbers Insurance:

  • General liability insurance
  • Workers compensation insurance

Benefits:

  • It can protect your business from certain claims.
  • It can cover damages caused by your negligence .
  • Proof of insurance can help customers feel good about your work.
  • It may be legally required where you’re located.

A plumber unclogging a shower drain

What Type of Insurance Do I Need as a Plumber?

Plumbers insurance can be tailored to be made up of a bundle of policies that offer the best protection against common risks that plumbers face in their day-to-day work, like accidentally damaging a customer’s property.

While every plumber is different, we usually recommend the following plumbers and pipefitters insurance policies.

General Liability Insurance for Plumbers

General liability insurance (also referred to as plumbing liability insurance) provides coverage against claims associated with third-party accidents, property damage, and bodily injury. GL can also cover costs resulting from those claims, meaning your plumbing business will take less of a financial hit.

Let’s take a closer look at plumbing liability insurance in action. Say an employee of yours installed a new toilet in a bathroom on the second floor of a customer’s home. Everything looks good at first glance, but it turns out that your employee didn’t properly tighten everything before calling it a day.

As soon as the customer uses the toilet, water begins leaking everywhere. And since the bathroom is on the second floor, the water leaks through the floor and down into the living area below. The customer’s floor, ceiling, and living room furniture are all damaged, and they want you to pay up.

Without a general liability insurance policy, you would be financially responsible for those damages. Plus, if your customer decided to sue you, you’d have to pay for a lawyer to defend you.

Carrying a GL policy really matters for plumbers, especially as your line of work can leave you at risk for expensive property damage. Consider this: the average claim for property damage for small businesses is $30,000.

That’s a lot of money, especially if you run your business solo or you have only a couple of employees!

Another benefit to getting this policy: It may be required for you to get your plumbing license. Each state has different requirements for obtaining a plumbing license, but a lot of states want to see proof of a general liability insurance policy.

In other words, without a GL policy, you may have a hard time getting your master or journeyman plumber’s license.

As a recap, here’s what your general liability insurance can cover:

  • Bodily injury to another person (e.g., a customer)
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

Here’s what general liability insurance doesn’t usually cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to own employees
  • Damage to your work
  • Motor vehicles while in business use
  • Expected or intentional injury or damage
  • And more

Workers Compensation Insurance

If your business has employees — even if they’re part-time — federal law may require you to have a workers compensation policy. This policy provides you and your business with financial coverage if one or more of your employees gets injured or becomes sick while working on a job for you.

Just like plumbing liability insurance, your state may require you to show proof of a workers comp policy in order to be licensed.

Last but not least, having a workers compensation policy can be great for your peace of mind as a business owner, as this coverage prevents an employee from suing you for their injuries.

Workers compensation insurance for plumbers can cover:

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

A plumber installing a toilet

Why Should I Get Insurance for My Plumbing Business?

Whether you’re just starting out as a licensed plumber or you’ve been in the industry for a long time, it’s always tough to spend money on something when you might not feel like you “get” anything for it in return.

It’s a common attitude around business insurance in general, but we’re here to show you why you should obtain insurance for your plumbing business, even if you (hopefully!) never need it.

Plumbers are at risk for property damage. Plumbers, contractors, and other similar types of trades are usually more at risk for causing property damage due to the line of work they’re in. Given that the average property damage claim is about $30,000, it’s a good idea to protect yourself in case an accident happens.

It clears the way to your plumbing license. Whether you’re a journeyman or a master plumber, many states require you to be licensed before working on customer sites. Having plumbers insurance can make the process of getting licensed a lot easier!

You can’t control it if a customer decides to sue you. Even if you do everything right, you may still have to deal with a customer who is particularly litigious. This happens more than you think; in fact, 43% of small business owners have reported being involved in a lawsuit pertaining to their business.

If you ever find yourself facing a lawsuit (even if it’s baseless), your plumbers insurance can cover those costs, so you may not have to.

It can help customers feel confident about your work. Plumbers insurance doesn’t just protect you and your employees; it also protects your customer. Insurance can help a customer feel better about hiring you, since they know they can recoup any expenses if you accidentally damage their property.

Got more questions about why you need plumbers insurance? Give one of our licensed insurance agents a call at 844-654-7272 — they’ll be happy to help!

Question marks

Plumbers Insurance FAQs

Is plumbers insurance required by law?

Federal laws regarding workers compensation insurance may mean that you need this policy if you have any full-time or part-time employees. Plus, most states require journeyman and master plumbers to carry plumbers liability insurance and workers compensation insurance if they want to get licensed.

All of those reasons are why we recommend covering your bases with a GL policy, as well as a workers’ compensation policy if you have employees.

Is plumbers insurance tax-deductible?

In general, your plumbers insurance premiums are tax-deductible, as the IRS considers them to be a legitimate business expense. However, we’re not tax experts, so we recommend contacting an accountant if you have any questions about what deductions you can claim.

How much plumbers insurance will I need?

Plumbers insurance is highly personalized to every plumber, so it’s tough to give an exact answer here. In general, the amount of plumbers insurance you may need is based on:

  • Your payroll (aka how many employees you have)
  • Your business’s location
  • Your annual revenue
  • And more

We designed our quote form to help us determine the amount of coverage you may need and to provide you with recommended policies based on your answers. If you need more help, our experienced insurance agents are just a phone call away.

What should I consider before buying plumbers insurance?

If you want to get your plumbers liability insurance quotes in under 10 minutes, be sure to have the following information on hand:

  • Annual revenue estimates
  • Payroll estimates
  • Information on previous claims, if any

This information can help make the process of getting business insurance a lot quicker!

Does plumbers insurance differ by state?

As with obtaining a plumbing license, insurance requirements for plumbers differ from state to state. That’s why we ask about your business’s location on our quote form, as it helps us find recommended coverage options for you.

What does plumbers insurance cover?

As a reminder, plumbers insurance is made up of a couple of different types of policies, like plumbing liability insurance and (if you have employees) workers compensation. That means your plumbers insurance can cover:

  • Bodily injury to customers
  • Accidents and property damages
  • Injuries to employees
  • And more

At Simply Business, we work with top insurers to provide customized plumbers insurance quotes based on your specific needs. That way, you can get back to doing what you love without worrying if you have the right coverage.

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 might pay based on:

  • Your payroll
  • Your business location
  • The type of plumbing services you provide
  • And more

Want to find out how much your plumbers insurance may cost? Just answer a few easy questions to get free quotes from top plumbers insurance providers.

What if I perform multiple activities as a plumber?

If you perform other services besides plumbing, our licensed agents can help you find business insurance coverage that can protect everything you do.

A plumber fixing a kitchen sink

Why Choose Simply Business?

Simply Business makes it very easy for plumbers to compare and get a business insurance policy from top insurers in under 10 minutes. We’re also one of the fastest-growing online insurance providers for small business owners, meaning thousands of customers trust us to protect their growing businesses.

So why choose Simply Business? It’s, well, simple:

We’re fast and affordable. You have better things to focus on, like running your business. Our policies are fast, affordable, and ready when you are.

We’re flexible with coverage. Whether you need increased coverage because you bought new equipment or a COI, we’re here to help.

We get your business. Forget one-size-fits-all insurance. Get the protection your plumbers business needs, when you need it the most.

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

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This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.