Plumbing Contractor Insurance
A single failed fitting can flood a home or a commercial space. We build plumbing programs around the claims plumbers actually face: water damage, completed operations, and injuries on tight job sites.
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Wage threshold applies to policies starting on or after September 1, 2026. See what changed and the 2028 workers' comp deadline.
Where plumbing contractors get hurt by claims
These are the exposures carriers look at first when they price your policy.
Water damage after completion
Leaks from your work can surface weeks later. Completed operations coverage is what responds to those claims.
Your work exclusions
General liability usually pays for resulting damage, not for redoing your own faulty work. Knowing that line avoids surprises.
Excavation and trenching
Sewer and water line work adds cave-in, utility strike, and third-party damage exposure.
Service vehicles
Plumbers spend much of the day driving between calls, so commercial auto is a major exposure.
Coverage most plumbing contractors carry
We package these together so limits line up with your contracts and nothing overlaps.
General liability
Covers resulting water damage and injury claims, including completed operations.
Workers' compensation
Required once you have employees. Required for every California license starting January 1, 2028.
Contractor license bond
Required to hold or renew your license.
Commercial auto
Covers service vans and trucks between jobs.
Tools and equipment
Covers jetters, cameras, and pipe tools on the road and on site.
Umbrella
Adds limits for large water damage or injury claims.
Plumbing insurance rules by state
California
C-36 plumbers can file a no-employee workers' comp exemption until January 1, 2028. After that date, nearly every license class needs a policy.
California contractor insuranceNevada
Plumbers need a Nevada State Contractors Board license and a bond. Workers' comp is required once you have employees.
Nevada contractor insuranceArizona
Plumbers need an Arizona Registrar of Contractors license and a bond. Workers' comp is required once you have employees.
Arizona contractor insuranceTexas
Plumbers need a state plumbing license. Workers' comp is optional for most employers, but most GCs require it from subs.
Texas contractor insurancePlumbing insurance questions
Does general liability cover water damage caused by a plumber?+
Generally, general liability covers resulting damage to other property, such as a ruined floor or ceiling from a leak you caused. It usually does not pay to redo your own work. Coverage depends on your policy's wording and exclusions, so review them before a claim happens.
Do plumbers in California need workers' comp with no employees?+
Not yet. C-36 plumbers with no employees can file an exemption with the CSLB until January 1, 2028. After that date, the exemption ends for nearly every license class under SB 216.
What changed for California plumbing workers' comp in September 2026?+
For policies starting on or after September 1, 2026, the wage threshold between the high-wage and low-wage plumbing codes rose from $32 to $35 an hour.
Do I need commercial auto for my service van?+
If the van is owned by or titled to the business, or used mainly for work, you generally need commercial auto. Personal auto policies often exclude business use, which can leave a work accident uncovered.
Get your plumbing insurance quote
Free and no obligation. Most quotes are returned within one business day.