The plumber insurance specialists
General liability, completed operations, and tools & equipment coverage — built around plumbing's real exposure: water damage. Service calls, new construction, solo operators, and crews with subs.
No spam. Same-day coverage is typically available, and your certificate of insurance is issued instantly after you bind.
Get your free quote
Step 1 of 4How it works
A few quick questions about your plumbing business — about two minutes, whether you're on a service truck or running a crew.
Licensed agents build a custom quote for your business — typically back the same business day.*
Get your custom quote, review the coverage, and enroll right away — on your schedule.
Once you bind, your certificate of insurance is issued instantly — ready to send to any client or GC.
*Quote turnaround is typical during normal business hours and may vary. Coverage, same-day availability, and eligibility are subject to carrier underwriting and approval.
"A pipe doesn't wait for business hours to burst. We build coverage around plumbing's biggest exposure — water damage — and everything that leaks in between."
Coverages
Water damage is to plumbers what fire risk is to electricians — the severity driver behind almost every serious claim. Here's how we cover it.
The foundation. Responds to third-party bodily injury and property damage — a fitting fails and floods a finished basement, a drain snake damages existing pipe, or a worker trips over your equipment on-site.
A sweated joint that lets go months after you've left, flooding the unit below — completed operations is the single most important coverage for plumbers, and it's built into your GL policy.
Backflow prevention testing and gas line work carry their own risk profile — contamination and explosion exposure most trades never face. We'll make sure your policy language actually matches this work.
Sewer line and septic work carries pollution and contamination exposure that standard GL can exclude or limit. We'll flag where a pollution endorsement is worth adding based on the work you do.
Inland marine coverage protects your pipe threading machines, drain cameras, jetters, and pumps — whether on the job site, in your truck, or in transit. Standard property policies don't follow your gear.
Required in most states if you have employees. Covers work-related injuries or illness — relevant for a trade that works around water, trenches, and pressurized lines.
Coverage descriptions are general summaries. Actual coverage is governed by the policy issued and is subject to underwriting, terms, and carrier availability.
Who we insure
Repair and service calls, water heater swaps, and repipes in homes and rental properties.
Office buildings, restaurants, multi-family, and commercial tenant build-outs.
Licensed contractors running rough-in and finish work for GCs on new builds.
One-person operations that need GL fast — often for a specific job or client.
Hydro-jetting, sewer line, septic, and drain cleaning specialty operations.
Just starting out? New ventures welcome. Get covered from day one. →
Wondering about price?
Water damage severity puts plumbing premiums at or above what electricians pay for fire-risk exposure. Your rate depends on revenue, employees or subs, new construction vs. service work, and claims history. See what drives the number.
See the full cost breakdown →FAQ
Tell us about your business and our licensed agents will build your custom quote — typically back the same business day. Review your quote, enroll yourself, and your COI is issued instantly after you bind.
The specialist insurance program for plumbers.