Small Business Insurance for Plumbers
Protect Your Plumbing Business with Confidence
Running a plumbing business involves more than just fixing leaks and unclogging drains — it means managing risks every day. Whether you’re a solo contractor or own a growing plumbing company, the right insurance coverage is essential to protect your livelihood, your team, and your clients.
Why Plumbers Need Small Business Insurance
From unexpected accidents on the job to costly property damage or legal disputes, the plumbing industry comes with unique risks. Small business insurance helps you stay protected against:
Property damage to a client’s home or building
Bodily injury caused by your work or tools
Lawsuits and legal claims
Equipment theft or damage
Work-related injuries to employees
Without proper insurance, a single incident could put your business — and your reputation — at risk.
Who We Serve
Our small business insurance is designed for:
Independent plumbers
Plumbing contractors
Residential & commercial plumbing businesses
New plumbing startups
Licensed and bonded professionals
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
Why Choose Us?
Affordable, competitive quotes
Easy application process
Fast claims support
Coverage options tailored to your business size and location
Licensed across California and nationwide
We understand the plumbing trade and the risks that come with it — and we’re here to help you stay protected so you can focus on what you do best
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.
