Plumbing Contractors Insurance

Affordable Protection For Your Plumbing Business

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Tailored Insurance For Plumbers

Whether you’re a self-employed plumber or own a 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 around 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.

Ready to get covered? Start your quote here:

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What Insurance Coverage 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.

Luckily, you have Simply Business on your side!

As far as plumbing contractors insurance requirements go, we usually recommend the following types of coverage:

Plumbers’ Liability Insurance

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

Let’s see what plumbers’ liability insurance can look like in action:

  • Property damage: If you repair a customer’s plumbing but end up accidentally causing water damage, you could be liable for costs associated with subsequent cleanup and mold removal. Your liability coverage could pay out those costs instead of having to pay it from your own finances.

  • Accidents: Let’s say you’re working in a customer’s home and he accidentally trips over a tool you left out. If that customer decides to sue, your plumbers’ liability insurance can cover costs associated with medical bills and legal fees.

  • Reputational damage: Ever said something bad about someone online? If you do it as a business owner, a customer could sue you for what’s known as “reputational damage”. If this happens, your liability policy can cover costs associated with lawsuits, damages, and resulting legal fees.

So now that you know what could be covered by your commercial general liability insurance policy, what’s usually not covered?

  • Employee injuries and sickness
  • Tool theft
  • Vehicle damage
  • Employee lawsuits

Learn more about commercial general liability insurance.

Workers Compensation Insurance For Plumbers and 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 is required by law 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 injuries 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 here.

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’ll 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.