Plumbing Contractor Insurance
Comprehensive protection for plumbers and plumbing contractors. From water damage to gas line hazards, we cover the unique risks of your trade.
Coverage Types for Plumbing Contractors
Build a comprehensive insurance package that protects every aspect of your business.
General Liability
Protects against third-party claims for bodily injury and property damage, including water damage from leaks and burst pipes.
Workers Compensation
Covers medical expenses and lost wages for plumbers injured on the job, including back injuries and sewage exposure.
Commercial Auto
Covers service vans, excavation trucks, and plumbing equipment trailers.
Inland Marine / Equipment
Protects your plumbing tools, drain machines, camera inspection equipment, and pipe fittings.
Commercial Property
Covers your shop, warehouse, and stored inventory against fire, theft, and storm damage.
Pollution Liability
Covers cleanup costs if sewage or other pollutants escape during plumbing work.
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Common Plumbing Contractor Risks
Understanding these risks helps you choose the right coverage.
Why Choose Greene & Associates?
Water Damage Expertise
We understand plumbing-specific liability risks including pipe bursts, leaks, and flood damage.
Tools & Equipment Focus
Protect your expensive diagnostic equipment, cameras, and specialized tools with comprehensive coverage.
Subcontractor Compliance
We help verify your subs have proper coverage to protect you from liability gaps.
Frequently Asked Questions
Does plumbing insurance cover water damage claims?
Yes, general liability insurance covers property damage caused by your work, including water damage from faulty installations or repairs. However, there are coverage limitations for known defects you're aware of. Discuss your specific situation with us to ensure proper coverage.
What insurance do I need for drain cleaning business?
At minimum, you need general liability, workers compensation, and commercial auto. Since you're working with sewage and chemicals, you may also want pollution liability coverage. Many plumbers also opt for equipment coverage to protect expensive drain machines.
How much does plumbing contractor insurance cost?
Most plumbing contractors pay $3,500-8,000/year for comprehensive coverage including GL, WC, and commercial auto. Costs vary based on crew size, revenue, coverage limits, and claims history. We shop multiple carriers to find competitive rates.
Do I need special insurance for gas line work?
While general liability covers gas line installations, some carriers exclude gas line work or charge higher premiums. Make sure your policy specifically covers gas line installations. Some contractors also add umbrella coverage for extra protection.
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Comprehensive coverage for plumbing contractors. Compare rates from 20+ carriers.