- 7761 Ballantyne Commons Pkwy, Charlotte, NC 28277
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Protect your tools, your truck, and your liability exposure with insurance built for residential and commercial plumbers. Plumber insurance covers the unique risks of working with water, pipes, and expensive diagnostic equipment in tight spaces.
Ready when your client needs it
Meets all state bonding requirements
Agents who know construction
Plumbing work comes with unique liability risks. One burst pipe, one faulty water heater installation, or one backflow issue can cause tens of thousands in water damage. Without proper coverage, a single callback can flood your business finances.
A fitting blows off during pressure testing, dumping 500 gallons into a finished basement. Your liability insurance plumber’s policy covers all water damage restoration costs.
A drain cleaning job pushes debris further down, causing a backup into a client's home. Your plumbing business insurance covers cleanup and property damage claims.
A water heater you installed fails catastrophically after six months, flooding the garage. Plumbing insurance coverage includes completed operations for exactly these claims.
Thieves break into your work van and steal $5,000 worth of pipe cameras, threaders, and press tools. Your plumbing insurance policy covers tools and equipment on the go.
A complete plumbing contractor insurance program typically includes several policies working together. We bundle them to save you money and eliminate dangerous coverage gaps that could leave you exposed on a job site.
Whether you’re doing residential service calls, commercial build-outs, or new construction rough-ins, we have a plumbing insurance program designed for your specific scope of work and risk profile, because a residential service plumber and a commercial pipefitter need completely different coverage.
Water heaters, drain cleaning, fixture installation, toilet and sink repairs, repiping old homes
Restaurant grease traps, office building restrooms, retail store plumbing, hotel bathroom banks
Rough-in plumbing for new homes, commercial buildings, apartment complexes, and housing developments
Emergency calls, leak detection, drain cleaning, water heater replacement, fixture repair
Industrial piping, steam systems, boiler installation, high-pressure gas lines, hydronic heating
Backflow prevention device testing, repair, installation, and certification for commercial properties
Every state has different requirements for plumbing licensing and insurance minimums. We help you stay compliant with state laws, and help you win contracts that require best plumbing insurance coverage like additional insured endorsements and waivers of subrogation.
Plumbing insurance cost depends on your annual payroll, total revenue, type of plumbing work, and claims history. Service plumbers typically pay less than new construction or commercial pipefitters due to lower water damage exposure.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial Auto (per vehicle)
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
We compare rates across 20+ carriers to get you the best price for your trade.
Commercial General Liability
$1,200 – $4,000/yr
Workers' Compensation
$2,000 – $10,000+/yr
Builder's Risk (per project)
1%–4% of project value
Tools & Equipment
$400 – $1,200/yr
Commercial General Liability
$1,500 – $3,000/yr
Commercial Umbrella ($1M)
$600 – $1,500/yr
Full Package Estimate
$5,000 – $20,000+/yr
Standard CGL limit required by most plumbing contracts
COI issuance, Certificate of Insurance when you need it
Carrier partners, we shop for the best rate for your trade
Plumbers insured across the Southeast region
Our streamlined process gets you covered fast, so you never miss a bid deadline or fail a job site insurance inspection.
Plumbing license type, annual revenue, payroll, number of employees, and typical project scope, residential, commercial, or new construction
We create a custom package across CGL, Workers' Comp, Commercial Auto, Inland Marine, and Umbrella based on your specific plumbing operations
Receive clear quotes from multiple A-rated plumbing insurance companies, compare coverage limits, deductibles, and premium side by side
Bind coverage immediately and receive your Certificate of Insurance same day, ready for permits, bids, and general contractor requirements
Yes, most states require at least general liability insurance to obtain or renew your plumbing license. Additionally, many homeowners and general contractors will not hire an uninsured plumber. Plumbing business insurance is essential even without employees.
Yes, if the damage occurs while you’re working or after you finish (completed operations). A burst pipe that floods a basement six months after installation is covered under plumbing insurance coverage only if you have completed operations included.
General liability covers physical damagewater on floors, fire from soldering. Plumbers’ professional liability covers financial losses from design errors, wrong pipe sizing, incorrect backflow placement, faulty gas line calculations. New construction plumbers often need both.
Yes, we offer plumbing insurance quotes online in under 10 minutes. Just tell us your revenue, payroll, project types, and claims history. Same-day binding and instant COI available. A quick call often saves you money because we ask the right questions.
We issue same-day Certificates of Insurance, often within an hour of binding your policy. For permits due tomorrow, we can have your COI in hand before you submit. Best plumbing insurance is worthless if you can’t prove it to the building department.
Complete coverage for GCs who hire plumbing subs, including additional insured requirements and waiver of subrogation
Liability, tools, and commercial auto for heating and cooling pros who work alongside plumbers on mechanical systems
Tools and equipment coverage for electricians, many of whom work with plumbers on water heaters and sump pumps
Flexible coverage for multi-trade professionals who do plumbing work alongside electrical, painting, and general repairs
Specialized coverage for industrial pipefitters and steamfitters working on high-pressure gas and hydronic heating systems
Targeted coverage for backflow prevention testing, repair, and certification professionals working with municipalities
Get a custom insurance package quote in minutes — designed for general contractors in the Southeast.
