Plumber Insurance
Plumber Insurance for Plumbing Contractors
General liability, workers comp, commercial auto, and pollution coverage for residential and commercial plumbers in Illinois, Iowa, Wisconsin, and Indiana. We shop multiple carriers so you don't have to.
✓ Same-Day COIs · ✓ Residential & Commercial · ✓ Serving IL, IA, WI & IN
Who We Insure
Coverage for Residential and Commercial Plumbers
Plumbing contractor insurance for service shops and construction crews.
Residential Plumbers
Coverage for service calls, remodels, and new home rough-in.
- Service and repair
- Water heater installation
- Remodel and new construction
- Drain cleaning and sewer work
Commercial Plumbers
Coverage that meets GC and property manager contract requirements.
- Tenant build-outs
- Backflow testing
- Commercial service contracts
- New construction
One application. Multiple plumbing contractor markets.
Compare My Rate →The Problem
Why Plumber Insurance Is Hard to Get Right
Plumbing claims are often water claims. These are the gaps we see most.
Water Damage Claims
A failed fitting can flood a home or building. Completed operations coverage has to respond.
Sewer and Excavation
Trenching and sewer line work can damage underground utilities. Some policies exclude it.
Mold and Sewage
Standard general liability excludes most mold and pollution claims. They need separate coverage.
Contract Requirements
GCs and property managers require additional insured, waiver of subrogation, and primary wording.
Workers Comp Classification
Plumbing is rated under specific class codes. The wrong code means a surprise at audit.
Tools and Equipment
Jetters, sewer cameras, and tools are not covered by general liability.
Coverage
What We Cover
Plumbing contractor coverage built around your work.
General Liability
Bodily injury and property damage from your work, including completed operations.
Workers Comp
Employee injury coverage for plumbers and apprentices.
Same-Day COIs
Certificates with additional insured wording sent the same business day.
Commercial Auto
Service vans and trucks used for calls and job sites.
Tools & Equipment
Jetters, sewer cameras, and tools on the job, in the van, or in storage.
Installation Floater
Fixtures, water heaters, and materials until the job is accepted.
Contractors Pollution
Mold, sewage, and other pollution claims tied to your work.
License & Permit Bonds
Bonds required for licensing and permits, placed with your insurance.
Umbrella
Extra liability limits for larger contracts.
Work We Insure
Plumbing Contractor Insurance for Every Job Type
Plumber insurance quotes for residential, commercial, and service plumbers across Illinois, Iowa, Wisconsin, and Indiana.
Service & Repair
Leak repair, fixtures, and service calls.
Water Heaters
Tank and tankless water heater installs.
Drain Cleaning & Jetting
Drain cleaning, hydro jetting, and camera inspection.
Sewer & Water Lines
Sewer and water line repair and replacement.
New Construction
Rough-in and finish plumbing for new buildings.
Backflow & Commercial
Backflow testing and commercial service work.
Pricing
What Affects Plumber Insurance Cost?
Every plumbing contractor is rated differently. These are the biggest factors.
Payroll and Revenue
General liability and workers comp are rated largely on revenue and payroll.
Type of Work
Residential, commercial, and new construction work are priced differently.
Sewer and Excavation
Trenching, sewer, and underground work usually rate higher than service work.
Loss History
Three to five years of clean loss runs open up more carriers and better rates.
Tell us about your plumbing work. We shop the markets.
Get My Quote →| Question | Answer |
|---|---|
| How much does plumber insurance cost? | Cost depends on payroll, revenue, type of work, sewer and excavation work, and loss history. Contractors with clean loss history get the widest choice of carriers. |
| Does general liability cover water damage from my work? | Property damage from your finished work is typically covered under the completed operations part of general liability. Some policies limit water damage, so review your exclusions. |
| Is mold covered? | Most general liability policies exclude mold. Contractors pollution liability can cover mold and sewage claims tied to your work. |
| Is sewer and excavation work covered? | Some policies exclude excavation and underground work. Tell us about sewer and trenching work so we place it with a carrier that covers it. |
| Are my tools covered under general liability? | No. General liability does not cover your own tools and equipment. You need tools and equipment coverage. |
| Do I need a license or permit bond? | Many municipalities require a bond before issuing plumbing permits. Requirements vary by location. |
| How fast can I get a certificate of insurance? | Certificates with additional insured wording are typically sent the same business day. |
| What do I need to get a quote? | Business address, years in business, license number, payroll, revenue, residential and commercial split, subcontracted costs, and three to five years of loss runs if available. |
Get Started
Get Your Plumber Quote
One application. Multiple plumbing contractor markets. A licensed agent reviews every quote.
✓ Same-Day COIs · ✓ Residential & Commercial · ✓ Serving IL, IA, WI & IN