Is Your Plumbing Business Properly Insured? How to Find the Best Policy
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 15
- 2 min read
Running a plumbing business means dealing with daily risks—from job-site accidents and water damage to vehicle incidents and employee injuries. Having insurance is essential, but having the right insurance is what truly protects your business.
Many plumbing contractors carry coverage without fully understanding whether it’s adequate for their current operations. This guide will help you determine if your plumbing business is properly insured and how to find the best policy for your needs—with help from Wexford Insurance.
Why Reviewing Your Plumbing Insurance Matters
Your insurance needs can change as your business grows. Adding employees, vehicles, or new services increases risk exposure, and outdated policies may leave gaps in coverage.
Regularly reviewing your insurance helps you:
Avoid underinsurance or policy exclusions
Meet state licensing and contract requirements
Protect personal assets from business-related claims
Control costs by eliminating unnecessary coverage
Signs Your Plumbing Business May Be Underinsured
You may need to review or update your insurance if:
Your revenue or payroll has increased
You’ve added service vehicles or expensive equipment
You’ve expanded into commercial or emergency plumbing
Your policy hasn’t been reviewed in over a year
You’re unsure what your policy actually covers
If any of these apply, it’s time to reassess your coverage.
Necessary Insurance Coverage for Plumbing Businesses
Most plumbing contractors should carry the following core policies:
General Liability Insurance – Covers third-party injuries and property damage
Workers’ Compensation Insurance – Covers employee injuries; required in most states
Commercial Auto Insurance – Covers business-owned or used vehicles
Commercial Property Insurance – Protects offices, tools, and equipment
Professional Liability Insurance – Covers errors, omissions, or faulty workmanship
How to Find the Best Plumbing Insurance Policy
Assess Your Risks – Review your services, employees, vehicles, and job types
Understand Policy Limits and Exclusions – Don’t assume all policies offer the same protection
Compare Multiple Quotes – Prices and coverage can vary widely between carriers
Work With a Specialist – An experienced agency like Wexford Insurance understands plumbing-specific risks and coverage needs
Why Choose Wexford Insurance
Wexford Insurance specializes in contractor and plumbing business insurance. They help business owners:
Review existing policies for gaps
Compare coverage from top-rated carriers
Customize policies based on real-world risks
Find competitive pricing without sacrificing protection
👉 Get a personalized plumbing business insurance quote today with Wexford Insurance and make sure your business is properly protected.
