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Plumbing Contractor Insurance
A leak from your work can soak a home or business long after you've left, and the claim comes back to you. We compare insurance companies that write plumbing contractors, check for water damage and mold exclusions, and cover your vans, tools and parts. Call or text with your next contract and a real person will go through it with you.
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Plumbing
Coverage Built for Plumbing Contractors
Service calls, new construction and repipes each carry different risks. We match coverage to the work you actually do.
- General liability with completed operations
- Coverage for mold and water damage where available
- Commercial auto for service vans
- Tools and equipment, including parts in your vans
- Workers comp for your plumbers
- License and permit bonds
Good to Know
Before You Buy
Water damage claims can arrive months after the job is done. We go through each point with you before you sign.
- Completed work. Water damage from completed work is one of the most common plumbing claims, so completed operations coverage matters.
- Mold. Mold is excluded or limited on many liability policies, so it's worth checking.
- License bonds. Many states and cities require plumbers to carry a license or permit bond.
- Type of work. Service and repair work is often rated differently from new construction. Describe all of your work when you quote.
- Vans and tools. Service vans need commercial auto, and the tools and parts inside need their own coverage.
- Workers comp. Many states require contractors to carry workers comp, in some states from the first employee.
Pair It With
Gaps Plumbing Contractors Often Miss
Liability is only the start. These need their own coverage, and we check for each one when we quote.
Pollution Is Usually Excluded
Many liability policies exclude pollution, so a contractors pollution policy may be needed for the work you do.
Work Trucks Need Commercial Auto
Personal auto usually excludes vehicles used mainly for business. Commercial auto covers your trucks and the people who drive them.
Your Tools Need Their Own Coverage
Liability doesn't cover your own tools. Tools and equipment coverage protects them on the job and in your truck.
Uninsured Subs Can Raise Your Premium
At audit, uninsured subs can be counted as your employees. Collect a certificate from every sub you hire.
Contracts Often Ask for Higher Limits
A commercial umbrella adds a layer above your liability, auto and employers liability, often for less than raising each limit.
Bonds for Public and Larger Jobs
Public and larger private projects commonly require performance and payment bonds, and we help with those too.
Questions
What Plumbing Contractors Ask Us
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Am I covered for a leak after the job is done?
Completed operations coverage, part of most contractor liability policies, responds to covered damage or injury after your work is finished. Faulty work itself is often excluded, so we walk you through what's covered.
Is mold covered?
Many policies exclude or limit mold. We check the policy and look for options that include it.
Are parts and tools in my van covered?
Not by your auto or liability policy. Tools and equipment coverage protects them, including in your vehicle.
Need a Certificate for a Job?
Send us the contract and we'll match the requirements.