Plumbers Insurance for Small Businesses
Do self-employed plumbers need insurance?
Reliable Liability Insurance Plumbers Can Count On
As a plumber, you work where the risks are real, leaks, property damage, and unexpected issues. At Gild, we offer plumbers insurance built specifically for small businesses and independent professionals. Whether you specialize in residential repairs or commercial installations, we provide flexible options like plumbers liability insurance and full business insurance for plumbers. Not sure what plumbers insurance cover includes? We make it easy to find the right liability insurance plumbers need to protect their tools, clients, and reputation, all in one simple place.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
Business Insurance For Plumbers, Protecting Your Business from Service to Site
Every repair, pipe installation, and emergency call carries risk. That’s why Gild Insurance’s business insurance for plumbers is designed to protect your business from the ground up. Our affordable, flexible policies help cover third-party injuries, water damage, equipment loss, and service-related claims. Whether you handle home repairs or large-scale plumbing systems, we offer expert-backed policies that cover your plumbing business today and grows1 with you. With Gild, reliable protection is always part of the job.
- General Liability Insurance – Covers property damage and third-party injuries.
- Business Owners Policy– General liability and business property coverage all in one.
- Tools & Equipment Coverage – Protects essential gear from theft or damage.
- Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
The best way to find your plumbers insurance is to get a free, online quote in minutes!
Join the Gild Contractor Network
The Gild Contractor Network connects qualified professionals with homeowners and businesses looking for reliable, insured help. Joining the network is free and open to qualified contractors who want to grow their visibility, strengthen their credibility, and reach more potential clients. Whether you already have coverage or are exploring business insurance, Gild helps you connect with the right customers and showcase your professionalism.
Get The Best Plumbers Insurance Today!
At Gild, our small business insurance agents build coverage packages that match the way you work, not a one-size-fits-all plan. We provide the insurance you need so you can focus on quality work while we keep your business secure and ready for the next job.
1 https://www.bbb.org/content/dam/iabbb/marcom-assets/industry-reports/Industry%20Report_Plumbers-US.pdf
Frequently Asked Questions
Yes! Independent plumbers should strongly consider carrying their own coverage:
- Unlike employees, you’re personally liable for damages if you don’t carry insurance.
- Some states or client agreements won’t allow you to operate without proof of coverage.
- Marketplace platforms and contractor job boards typically require independent contractors to show active insurance.
Does plumber insurance cover water damage or faulty work?
Yes! Proper policies can cover these scenarios:
- General Liability includes Completed Operations coverage, which handles claims from leaks or flooding long after job completion.
- Professional Liability (E&O) may apply if a design flaw or advice leads to property damage.
- Business Property or BOP can cover damage to your own shop/storage equipment.
- Tools & Equipment coverage addresses losses related to stolen or damaged plumbing tools.
How much does insurance for a plumbing business cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Is plumber liability insurance required by law or contracts?
In many cases, yes!
- State licensing boards often require proof of general liability insurance.
- Clients—especially commercial or institutional ones—frequently mandate coverage before permitting work.
- Permit or contract specifications may explicitly list insurance requirements at set limits.
Even if not mandated, carrying liability coverage builds credibility and saves you from personal financial exposure.
What types of insurance does a plumber need?
Plumbers should consider the following essential coverages:
- General Liability Insurance – protects against third‑party bodily injury or property damage (e.g., water leaks or customer slips).
- Workers’ Compensation – required if you employ team members; covers expenses from jobsite accidents like cuts, burns, or falls.
- Commercial Auto Insurance – necessary when using vehicles to transport tools or materials.
- Tools & Equipment Coverage (Inland Marine) – protects your plumbing tools and equipment during transport or on-site use.
- Professional Liability (E & O) – may be needed if your advice or design service causes a customer financial harm.
- Business Owners Policy (BOP) – combines general liability, property coverage, and business interruption into one affordable package.
Without these, even routine work can expose your business to costly risks.
Let's Get The Right Insurance For Your Business!
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