Apprentice/Helper Insurance
Protect Your Plumbing Subcontracting Business with Comprehensive Coverage
We understand that your team is your most valuable asset—even your newest team members. Whether you’re training an apprentice or working with a helper, protecting them (and your business) from potential liabilities is essential. Our Apprentice/Helper Insurance for plumbers ensures you stay protected while helping your trainees grow.
Why Is Apprentice/Helper Insurance Important?
Plumbing apprentices and helpers are still learning the ropes, and that means they may be more prone to accidents or mistakes on the job. Without proper coverage, one wrong move could result in financial loss or legal trouble for your business.
That’s where our tailored insurance comes in.
What Does Subcontractor Insurance Cover?
Plumbing General Liability Insurance helps protect your business from third-party claims involving property damage, bodily injury, and related issues. One of the key advantages of this coverage is that it also includes legal defense costs—like attorney fees—if your business faces a lawsuit over a covered incident.
Bodily Injury
Covers claims if someone is hurt as a result of your work or equipment. Example: A person trips over your tools during a plumbing job and gets injured.
Reputational Harm
Offers protection against accusations like libel, slander, or unauthorized use of a client’s images. Example: Featuring a client's home in your marketing materials without their permission could result in legal action.
Medical Payments
Pays for medical costs if someone is injured at your business location. Example: A client slips and falls while visiting your office and requires medical attention
Property Damage
Covers accidental damage to a client’s or third party’s property. Example: A plumber accidentally breaks a customer’s window while carrying equipment inside.
Damage to Rented Premises
Provides coverage for damages to properties you rent, caused by specific incidents. Example: A fire starts in your rented shop due to a faulty gas line connected to your equipment.
Advertising Injury
Protects your business from claims related to advertising mistakes, such as copyright infringement. Example: Using another company’s slogan in your ad without permission results in a legal claim
Who Needs This Insurance?
If you’re a plumbing business owner, contractor, or master plumber who employs or supervises:
Apprentices
Plumbing trainees
Plumbing helpers
Laborers just starting out
…then this coverage is a must-have for risk management and legal compliance.
Benefits of Apprentice Insurance:
✅ Peace of mind for you and your clients
✅ Shows professionalism and responsibility
✅ Minimizes financial loss from unexpected incidents
✅ Helps you comply with state and contractor licensing requirements
✅ Protects your business reputation
FAQ: Frequently Asked Questions
In many states, yes—especially if you’re employing someone or taking on an apprentice. Workers’ comp is often legally required.
Yes, most policies can be adjusted to include additional team members.
Costs vary depending on the number of helpers, their experience, and your business size. Contact us for a custom quote.
