Plumbing Business Insurance: How to Compare Quotes and Save Money
- Nate Jones, CPCU, ARM, CLCS, AU
- Jan 14
- 2 min read
Running a plumbing business comes with risks — on-site accidents, property damage, and potential lawsuits. Protecting your business with the right plumbing business insurance is essential. But not all policies are the same, and premiums can vary widely. Learning how to compare quotes can help you save money while ensuring your business is properly protected.
In this guide, we’ll show you how to compare plumbing insurance quotes, what factors influence costs, and how Wexford Insurance can help you get the best coverage for your business.
Why Comparing Plumbing Insurance Quotes Matters
Comparing insurance quotes allows you to:
Understand coverage differences between insurers
Identify gaps or overlaps in protection
Compare premiums and deductibles
Find cost-saving opportunities without sacrificing coverage
Different insurers assess risk differently based on your business type, location, number of employees, and services offered, so comparing quotes ensures you’re not overpaying.
Key Steps to Compare Quotes
1. Determine Your Coverage Needs
Most plumbing businesses require:
General Liability Insurance – Covers customer injuries and property damage
Workers’ Compensation Insurance – Covers employee injuries
Commercial Property Insurance – Protects your office, tools, and equipment
Commercial Auto Insurance – For service vehicles
Professional Liability Insurance – Covers errors or faulty workmanship
2. Gather Accurate Business Information
To get accurate quotes, have these details ready:
Number of employees and payroll totals
Annual revenue and expected job volume
Number and type of service vehicles
Equipment inventory
Types of plumbing services provided (residential, commercial, emergency)
This ensures all insurers are quoting based on the same information, making comparisons meaningful.
Don’t focus solely on price. Check:
Policy limits and deductibles
Exclusions and coverage gaps
Claims handling process and insurer reputation
Even a slightly higher premium may be worth it if the policy offers broader protection or better claims support.
4. Ask About Discounts
Many insurers offer discounts for:
Bundling multiple policies
Implementing safety programs or training
Security measures like cameras or alarm systems
These can reduce premiums without reducing coverage.
How Wexford Insurance Can Help
Wexford Insurance specializes in plumbing business insurance and makes comparing quotes easy. They:
Compare multiple carriers quickly
Tailor coverage to your plumbing business’s unique risks
Identify cost-saving opportunities while ensuring full protection
👉 Get a plumbing business insurance quote today with Wexford Insurance and save money while keeping your business secure.
