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Plumbing Insurance
Specialized small business insurance for plumbers
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Plumbing business insurance tailored to your business needs
Plumbers tackle a variety of jobs, from clearing drains in private homes to installing high-end fixtures in commercial buildings. Plumbing insurance helps protect your tools, customers, team, and reputation. The right coverage can manage liability and other claims so you can focus on fixing pipes, not paperwork.
What is plumbing insurance?
Plumbing insurance is business insurance coverage that protects plumbers from unique risks associated with their work, including damage to customer property, product liability concerns, and worker injuries. That's why plumbers insurance should be part of your small business strategy. It can minimize financial losses when you need help most.
Find the right commercial plumbing insurance through Progressive Commercial. Get started with an online insurance quote.
Why is plumbing insurance important?
Plumbers insurance helps protect your business from the financial impacts of accidents, property damage, and legal claims. Even something as small as a leaking connection or damaged fixture can lead to costly repairs or lawsuits.
Some clients require proof of insurance before work begins, especially for commercial projects or government contracts. Having the right coverage in place can help you qualify for more jobs and build trust with customers.
If you need a certificate of insurance (COI), Progressive Commercial makes it easy. Once you're covered, you can quickly access and share your COI to show clients that you're ready to get to work.
Who needs plumbing business insurance?
Plumbing insurance can be a good fit for professionals who install, repair, or maintain piping systems, fixtures, and related equipment. This includes:
- Independent plumbers
- Plumbing companies
- Specialized plumbers
- Plumbing consultants
- Maintenance and service plumbers
Whether you're a sole proprietor, running an LLC, or working for a startup, plumbing business insurance is a smart way to protect your company and customers.
Types of insurance for plumbers
Plumbing work comes with different challenges, and the right types of insurance can help manage them. From liability protection to coverage for your tools and equipment, this overview explains the most common options for plumbers.
General liability (GL)
Protection from injuries and damage to others
General liability (GL)
Protection from injuries and damage to others
General liability insurance helps protect plumbers from legal claims and costly setbacks related to customer injury, advertising injury, and property damage. Learn more about the benefits of GL insurance and the cost of plumbing liability insurance.
Example: A newly installed pipe bursts and floods a customer's basement. A general liability policy can help pay to repair or replace their property.
Business owners policy (BOP)
A flexible liability and property coverage package
Business owners policy (BOP)
A flexible liability and property coverage package
A business owners policy combines liability coverage with protection for your buildings and business personal property. It also includes business interruption coverage, which can help replace lost income if you need to pause operations because of covered events like fire or theft. Learn more about BOP coverages.
Example: A fire in your shop damages your plumbing tools and inventory. Commercial property insurance on your BOP pays to repair or replace your business property. It can also cover lost income while you rebuild.
Commercial auto
Covers your business's cars, trucks, vans, and trailers
Commercial auto
Covers your business's cars, trucks, vans, and trailers
Commercial auto insurance can protect your plumbing business vehicles from accidents, damage, and liability claims. Basic liability coverage helps if you cause harm or damage to others on the road. Explore additional commercial auto coverages and learn how to get affordable vehicle insurance through Progressive Commercial.
Example: While driving to a service call, you rear-end another vehicle. Commercial auto coverage can help pay for the third party's damage and injury claims.
Workers' compensation
Protects your employees on the job
Workers' compensation
Protects your employees on the job
Workers' compensation insurance covers medical bills and a portion of lost income for employees who get hurt or sick on the job. Review your state requirements for workers' comp and find out how much workers' comp costs.
Example: Your plumbing apprentice slips on a flooded floor, injuring their knee. Workers' comp covers their medical bills, rehab, and lost wages while they recover.
Cyber
Financial protection against digital disruptions
Cyber
Financial protection against digital disruptions
Cyber insurance protects your business from damage caused by data breaches and cyber attacks. It pays for legal costs, customer notification expenses, and data recovery efforts. Learn how cyber coverage works and what cyber insurance typically costs.
Example: Your payment processor gets breached, compromising your customers' information. Cyber insurance can help cover data recovery costs, system repairs, and legal claims.
Tools and equipment insurance for plumbers
Plumbers who regularly travel to job sites should consider getting tools and equipment coverage, also called inland marine insurance. It can help repair or replace lost, damaged, or stolen tools, so you can get back to work quickly. You can add this coverage to a BOP or general liability policy.
What does plumbing insurance cost?
What you pay for plumbing insurance depends on your business's specific risks like the type of work you perform. Here are some other factors that affect your premium:
- Business size
- Location
- Work vehicles
- Coverage needs
- Number of employees
- Claims history
Learn more about your business insurance cost and commercial auto rates. Take advantage of a multi-product discount and other savings when you get auto insurance and a GL or BOP policy.
Why choose Progressive Commercial for your plumbers insurance
Progressive Commercial has been helping small businesses like yours for over 50 years. We offer flexible coverage, competitive rates, and outstanding customer support. Let us help you get the right plumbing insurance coverage for your company.
Call us or start an online quote for plumbing insurance today.
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