The plumber insurance specialists
General liability, tools & equipment, and workers comp — built for how plumbing businesses actually work. Solo service techs, licensed crews, residential, commercial, and new construction work.
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
Panel work, service calls, new construction, or a mix of residential and commercial — a few quick questions about how you actually work. About two minutes.
Licensed agents build a custom quote for your business — typically back the same business day.*
Review your quote, enroll yourself, and get back to work — no office visit required.
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 slow leak behind a wall doesn't show up for weeks — but the water damage bill does. We build coverage around how your plumbing business actually runs, not just the job in front of you."
Coverages
Plain-English protection, matched to your real exposures.
The foundation. Responds to third-party bodily injury and property damage — a faulty connection sparks a fire, a client trips over your cable spool, or a panel job damages drywall or fixtures.
Inland marine coverage protects your meters, testers, thermal cameras, benders, and hand tools — whether on the job site, in your truck, or in transit. Standard property policies don't follow your gear.
The service truck or van you run with ladder racks, spools, and material stock. Personal auto policies often exclude business use — we'll help you review whether you need commercial coverage.
Required in most states if you have employees. Plumbing work carries real injury exposure — back strain, confined-space entry, and burns from soldering and torch work. We'll help you determine what's required in your state.
Major water damage and gas line claims can run well past standard GL limits fast. Umbrella coverage adds a layer of protection on top of your GL, auto, and employer's liability limits.
Blanket additional insured and waiver of subrogation endorsements — the coverage language most GCs, property managers, and utilities require before you're allowed on a job.
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
Service calls, fixture installs, water heater swaps, and repipes in homes.
Office buildouts, restaurants, multi-unit properties, and backflow testing contracts.
Licensed contractors managing crews, subcontractors, and larger plumbing projects.
One-person operations that need GL fast — often for a permit, license, or GC requirement.
Gas line installation, sewer and septic work, and other specialty plumbing.
Just starting out? New ventures welcome. Get covered from day one. →
Wondering about price?
Your premium depends on revenue, number of employees or subs, whether you do commercial or industrial work, and the states you operate in. See what drives the number — and what you'd likely pay.
See the full cost breakdown →FAQ
Plumbersurance connects you with licensed agents who 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.