Insurance for Plumbers and Plumbing Contractors
Plumbing work carries serious liability exposure — a water line that bursts, a drain connection that fails, or a gas line mistake can result in significant property damage, mold, and injury claims. Most clients, general contractors, and permit offices require proof of liability insurance before plumbing work can begin. We make it fast and simple to get the right coverage for your operation.
Key Coverages for Plumbers
- General Liability - Covers third-party bodily injury and property damage from your plumbing work, including completed operations coverage for water damage and failures discovered after a job is done.
- Workers Compensation - Covers employees injured on the job — required in most states and essential for any plumbing company with hired workers.
- Tools and Equipment - Protects your pipe wrenches, threading machines, camera inspection equipment, and other tools from theft and damage.
- Commercial Auto - Covers your service vans and trucks used to carry parts and get to job sites.
- Umbrella Liability - Extends your liability limits for large commercial projects where higher limits are required.
Completed Operations Coverage
A plumbing connection that fails weeks after a job is finished can cause extensive water damage. Completed operations coverage — part of your general liability — protects you from claims that arise after the work is done and paid for. Without it, you could face personal liability for damage caused by your work long after the project closed. We make sure this protection is properly included in every plumbing policy we write.
Frequently Asked Questions
What liability limits do general contractors require of plumbing subs?
Most GCs require at least $1M per occurrence / $2M aggregate. We match any required limits and provide certificates of insurance quickly so you can respond to requests and keep jobs moving.
Do I need separate coverage for gas line work?
Gas line work is generally covered under a standard plumbing general liability policy, but some carriers exclude it or require a specific endorsement. We review your operations carefully to make sure your policy covers every type of work you perform.