Plumbing Contractors Insurance

Affordable Protection for Your Plumbing Business

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Plumbing Contractors Insurance That’s Made Just for You

Whether you’re a self-employed plumber or own a huge plumbing business, 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 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.

What Insurance Do Plumbing Contractors Need?

It’s no exaggeration to say that plumbers face a lot of risks. Since you’re working on lots of different client sites, there’s potential for accidents and property damage. Plus, if you work with heavy equipment or your employees get exposed to mold, you could end up having to pay for work-related sick leave.

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General Liability Insurance for Plumbing Contractors

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 usually covers:

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

General liability insurance usually 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.

Professional Liability Insurance for Plumbing Contractors

Professional Liability insurance - which is also referred to as errors and omissions insurance (E&O insurance) - is a type of policy that provides coverage in the event a customer accuses your plumbing business of negligence. If your customer decides to sue your business for mistakes related to your plumbing services, your professional liability insurance policy may cover resulting damages and legal costs.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Patents and trade secrets
  • And more

Workers Compensation Insurance for Plumbing Contractors

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. If that employee decides to sue you, your workers compensation policy can cover your legal costs, as well as pay out any claims or settlements.

Learn more about workers compensation insurance.

How Much Does Plumbing Contractors 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 couple of questions so we can help you learn how much you can expect to pay for your plumbers insurance policy.